davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (NJ)

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. 




XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Equifax XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint myself. no one else is helping me this complaint is made by XXXX XXXX the actual human person. I noticed some accounts on my credit report that i never signed up for and so i need the identity theft removed.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (WV)

XX/XX/XXXX : Applied for Credit Card and was approved XX/XX/XXXX - XXXX : Used card with no issue. 

XX/XX/XXXX ( reported from company when I called them ) : Account was closed for " suspicious activity ''. They did not go any further detail. 

XX/XX/XXXX : Called CC company to figure out why card was being declined, was told that my account was closed for aforementioned suspicious activity.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (IN)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of this erroneous information on my credit report : XXXX XXXXXXXX
Consumer complaint received 2023-12-10
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. (CA)

I AM WRITING IN REGARDS TO THE UNAUTHORIZED INQUIRES THAT HAVE BEEN RECENTLY TO MY CONSUMER REPORT, THESE INQUIRES ARE FRUADULANT AND WERE NOT AUTHORIZED BY MYSELF.UNDER 15 USC 1681c-2 MUST BLOCK ANY INFORMATION DEEMED INDENITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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. (NV)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another complaint that I am a victim of fraudulent activity and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any items in my credit file that resulted from an alleged fraudulent activity : 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 ( Original creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00}. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are a mystery to me.
Consumer complaint received 2023-12-10
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. (DE)

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 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 infor mation 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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Duvera Billing Services, LLC (GA)

A company ( DUVERA BILLING SERVICE ) is trying to collect a debt, which are also listed on my personal credit report. I have requested several times for verification. This company ( DUVERA BILLING SERVICE ) will not furnish a signed authorization, they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my personal credit file and again all I receive is statements
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

They responded with a copy of a statement that is completely false, and that has a {$0.00} balance for the past 7 years I have been disputing it! You guys are responsible as well - I have reached out to you numerous times and nothing ever was done! You overlooked this violation just as the collection agencies do! Fraud!
Consumer complaint received 2024-05-07
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. (PR)

I am writing to dispute a late payment entry on my credit report regarding my XX/XX/XXXXXXXX account XXXX. The late payment is inaccurately reported, and I request its removal from my credit report. 

Account Details : Account Number : XXXX Account Type : Revolving account Account Status : Open Date Opened : XX/XX/XXXX Balance : {$0.00} Credit Limit : {$500.00} Issue : The late payment entry reported for the month of XXXX, XXXX inaccurately reflects my payment history. According to my records and the account history provided, I have consistently maintained timely payments for this account. There is no record of a missed or late payment for the period in question. 

Requested Action : I respectfully request to conduct a thorough investigation into this matter and promptly remove the inaccurate late payment entry from my credit report. This incorrect information is negatively impacting my credit score and financial standing, and its removal is crucial for an accurate representation of my creditworthiness. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. If you are unable to provide sufficient verification of this debt within 30 days, I requested that this late payment be removed from my credit report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PR)

I am writing to dispute and request the correction of inaccurate address information on my credit report. The addresses listed do not accurately reflect my residential history, and I request that the incorrect information be updated accordingly. 

Personal Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX 
XXXX, XXXX Previous Addresses : XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX Issue : The addresses listed on my credit report contain inaccuracies, including addresses where I have never resided or addresses with incorrect formatting. These inaccuracies could potentially affect my creditworthiness and the accuracy of my credit report. 

Requested Action : I request to conduct a thorough investigation into the inaccurate address information listed on my credit report and make the necessary corrections to ensure that only accurate and verified addresses are reported. 

Furthermore, I request that any addresses that do not belong to me or are incorrectly formatted be removed from my credit report promptly.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-07
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 XXXX. 

15 U.S.C XXXX section XXXX XX/XX/XXXX States I have the right to privacy. 

15 U.S.C XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXXX/XX/XXXX XXXX ) XXXX States : no consumer reporting agency XXXX 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. XXXXXX/XX/XXXXA 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-07
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)

Ive identified accounts and inquiries on my consumer report as a result of XXXX XXXX These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the XXXX XXXX, my consumer statement, and my identification proving my identity
Consumer complaint received 2024-05-07
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)

Equifax has violated my right to privacy and reported a bankruptcy on my credit report. I spoke to XXXX XXXX from the court who stated they do. It report bankruptcy and that XXXX XXXX buys them. I reached out to them and they sent me a letter saying they could verify. Please remove immediately
Consumer complaint received 2024-08-20
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. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-07
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. (MO)

I have Been Fighting With EquiFax for over a year Now to remove all inaccurate information from my credit report, I have spoken with EquiFax verbally about this matter, I have even sent out priority mail to resolve this matter. EquiFax has Refused to Remove inaccurate information reporting on my credit. This creditor is acting out of its jurisdiction an is operating as a government entity.Due to this my credit score has taken a drastic decline, and is effecting my credit score and financial opportunities
Consumer complaint received 2024-05-07
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. (PA)

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX, XXXX. XXXX. 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it.
Consumer complaint received 2024-05-07
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-05-07
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)

My name is XXXX XXXX and I currently reside at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed an account I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.

FRAUDULENT ACCOUNTS! 
XXXX XXXX XXXX : {$0.00} Balance updated : XX/XX/XXXX Credit limit : {$2000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Revolving FRAUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several request to the credit bureau and have not received a response. This is not my debt. This is a credit error. Its affecting my credit and I have been denied a home loan. Please assist in removing this credit error
Consumer complaint received 2024-05-07
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX