davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

The following accounts there are inaccuracies on the alleged accounts. On XX/XX/XXXX XXXX states that my payment was made on time on XXXX states that a payment was made 30 days late. XXXX states they have no history of a payment at all. When you provide information to my credit report, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. Please see the inaccuracy below. XXXX also states that my last activity was XX/XX/XXXX, XXXX states XX/XX/XXXX, XXXX XX/XX/XXXX ALSO These accounts have exceeded the legally mandated reporting period of seven years, and as such, they should no longer be affecting my credit score or financial standing. Enclosed with this letter, please find copies of documents supporting the age of these accounts, including [ mention any supporting evidence like payment records or correspondence with the creditor. I kindly request that you investigate this matter and, if found to be in violation of the Virginia Statue of limitations five to seven-year reporting limit, remove these accounts immediatley from my credit report promptly. 
I understand that federal law, under the Fair Credit Reporting Act ( FCRA ), requires credit bureaus to protect the information shared on my report.
Consumer complaint received 2023-09-12
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. 

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 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 2023-12-17
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-12-17
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-17
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. (LA)

PLEASE SEE PROOF ATTACHED! 



I am writing to file a formal complaint against Equifax for inadequate investigation practices and violations of the Fair Credit Reporting Act ( FCRA ) concerning the fraudulent accounts on my credit report. My name is XXXX XXXX XXXX, and my complaint is outlined as follows : Background : I have been in dispute with Equifax regarding fraudulent accounts since XX/XX/2023, and despite multiple requests for validation, the inaccurate information remains on my credit report. Equifax was suppose to show me exactly the proof how they checked things, give exact details that the debt collectors shared with them to confirm the accounts, who at Equifax talked to the debt collector, who was the person they talked to with the debt collector agency, and how Equifax made sure that the information from the debt collector was right and not made up. Equifax also had to explain how they made sure the debt collector 's records were correct. Lastly, Equifax should say how the debt collector confirmed that I'm the person they're talking about. Equifax failed to provide this information over a 6+ month span and did not comply with 15 USC 1681i ( a ) which states : Equifax must conduct a reasonable reinvestigation within 30 days of receiving a consumer 's dispute notice.

Violations and Disputes : Failure to Conduct Thorough and Timely Investigation : Despite my continuous requests for validation of the following fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} Equifax has failed to perform a thorough, proper, and legal investigation within the mandated time periods as per consumer laws. 

Penalties : 15 USC 1681o states that if EQUIFAX is found to have negligently violated any requirement under the FCRA, they may be liable for actual damages, attorney 's fees, and, in some cases, punitive damages.

Response and Continued Non-Compliance : Equifax 's response to my Consumer Financial Protection Bureau complaint dated XX/XX/2023, XX/XX/2023, XX/XX/2023 suggests that they have completed their investigation. However, the summary provided lacks transparency on the specifics of their investigation process and does not address the multiple instances of the same fraudulent account being reported.
Consumer complaint received 2023-12-17
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX. was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXXXXXX. and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-17
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. (NY)

I am writing to bring to your attention a matter regarding incorrect information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax to dispute the accuracy of certain entries on my credit report. Despite my efforts to resolve this issue, I have not received a response from Equifax as of the date of this letter. 
The details of the inaccurate information and the necessary corrections are as follows : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please remove this account from my credit report, as it does not belong to me. 
Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-12-17
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)

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  Bankrup tcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-17
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-18
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. 

Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX 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 2023-12-17
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 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 name : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( Equifax ) XXXX Account name : XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : US DEPT ED XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request fir further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on citizens bank account. I am asking that they fix this matter immediately before additional legal action is sought.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have submitted a compliant in writing stating that the account number XXXX XXXX XXXX XXXX XXXX was reporting incorrectly. I advised that an account could not be listed as 120 days late and closed at the same time. I have discussed with this agency also via phone. Nothing has been done. Please update reporting information. Also, I have asked this company to update my name and nothing has changed. My name is spelled XXXX XXXX  This goes against might of fair an accurately reporting. Please assist. 

I have asked Transunion and XXXX to update my name as it appears on my XXXX XXXX XXXX XXXX There are several names listed on these reports with incorrect spelling and various versions. I have contacted the companies but no assistance. I was advised to contact the reporting which wasnt any help.
Consumer complaint received 2023-12-18
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)

I am writing to formally complain about the numerous unsuccessful attempts to correct the late open accounts that are inaccurately reflected in my credit file. Despite my continuous efforts to rectify this matter, the corrections have not been implemented, causing significant distress and impacting my financial standing. 

I initiated the process to address the late open accounts on my credit report by submitting disputes through your online dispute resolution system. Despite these multiple attempts, the corrections have not been made, and the inaccurate information continues to adversely affect my creditworthiness. 

The presence of these late open accounts has had severe consequences on my ability to secure favorable interest rates, obtain credit, and engage in various financial transactions. I have diligently followed the established procedures, including contacting your customer service department on numerous occasions, yet the promised corrections have not been made. 

I understand the importance of maintaining accurate and reliable credit information, and I am committed to ensuring the integrity of my credit file. However, the persistent challenges in correcting the inaccuracies have left me frustrated and concerned about the impact on my financial well-being. 

In light of the above, I am requesting an immediate and comprehensive review of my case. I expect a thorough investigation into the late open accounts on my credit file and the prompt correction of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-12-18
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)

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.