davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXXXXXX XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-01-12
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)

Complaint Against XXXX  Wyoming Department of Family Services Dear CFPB, I am writing to file a complaint against the XXXX Wyoming Department of Family Services for multiple violations of my consumer rights and unauthorized use of my identity. I have reached out to this agency on numerous occasions, only to be met with ignorance of the law, prejudice based on the XXXX of my skin, and continuous reporting of child support to my credit report, despite the fact that I owe no debt, as stated in accordance with 18 USC 8. 

The actions of this company are a clear violation of my consumer right to privacy, as outlined in 15 USC 1681b ( 2 ). Furthermore, they have no permission to report any information using my personal details, as stated in 15 USC 1681 ( 4 ). The inclusion of child support in my credit report is not only a violation of my rights but also a violation of the Separation of Powers Doctrine and the Michigan Constitution. This situation has had a devastating impact on my life and credit. 

I firmly believe that the state of Wyoming, through its Department of Family Services, is engaging in malicious, crooked, and ungodly behavior. Additionally, the agency is committing perjury and should be held accountable for fraud. Child support, in my view, is fraudulent and unconstitutional, constituting a violation of my constitutional rights. It is essentially a debt collection agency operating in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The account in question is in violation of accurate reporting, as it falsely lists the Child Support Court as the furnisher, which is forgery and misleading, as the courts do not report this type of account. These accounts should not be furnished on my consumer report, as they are in clear violation of the law. 

According to 15 U.S. Code 1681b, consumer reports can only be furnished under specific circumstances, and only with the written instruction of the consumer to whom it relates. I have never given any consumer reporting agency written consent to report anything on my consumer report. The lack of consent in this situation amounts to identity theft. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action against the XXXX Wyoming Department of Family Services for their violations of consumer rights, unauthorized use of personal information, and fraudulent practices. I also urge you to bring this issue to the attention of the relevant authorities to ensure justice is served. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (NJ)

XXXX XXXX XXXX XX/XX/2022 XXXX This doesn't belong to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX The following personal information is incorrect
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Insert Date ] Subject : Credit Report Dispute under 15 U.S. Code 1681 Dear Sir/Madam, I am reaching out to address inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) . I have identified several discrepancies which I believe infringe upon my rights regarding the permissible purpose and accuracy of information. 

Disputed Accounts : XXXX  XXXX ( Account Number : XXXX ) : The reported balance and charge-off status are incorrect. 
XXXX ( Account XXXX : XXXX ) : There is a dispute regarding the closure status of this account. 
DEPT OF EDUCATIONXXXX ( Account Number : XXXX ) : The reported balance is inaccurate. 
XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) : There is a discrepancy in the reported account status. 
US DEPT OF EDXXXX ( Account Number : XXXX ) : Dispute concerning the closure status of this account. 
XXXX XXXX XXXX  ( Account Number : XXXX ) : The reported date of opening is incorrect. 
XXXX XXXX XXXX  XXXX Account Number : XXXX ) : The reported account type is inaccurate. 
XXXX XXXX XXXX  ( Account Number : XXXX ) : Incorrect closure date has been reported. 
I request a thorough investigation into these discrepancies and appropriate corrections to be made promptly. Enclosed, please find copies of documents supporting my dispute. In compliance with the Fair Credit Reporting Act, I anticipate a prompt and constructive response to this matter. 

Thank you for your immediate attention to these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-10
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

This Debt collection agency has continued to report erroneous information on my consumer profile since XXXX of XXXX. I have written multiple letters to them as well as the Original Creditor regarding the dispution of this debt ( See Attachments ). I never authorized an account with the original creditor be opened in my name in the first place. The original account has been in a charge-off status for months, and now Midland credit Collection agency is claiming I owe them a debt of over XXXX XXXX Their negligence to fully investigate this matter and validate this alleged debt before placing this on my report has drastically damaged my consumer profile. This is Libel. Furthermore, the collection agency has violated my consumer rights under the FCRA by failing to report my account as disputed dispite their several written notices of my dispute. I have received multiple notices that my personal information has been involved in data breaches ( See attached document ). I have been working fiercely to clear my name of unauthorized accounts and any associated transactions. I have filed a claim regarding this matter with the Federal Trade Commission ( See Attached documents ). This collection needs to be removed from my credit profile immediately.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In XXXX of XXXX I attended a social gathering and purses/wallets were stolen by event staff. Police were notified and report was made. I was advised to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed a slew of accounts I have no knowledge of, affiliation, or relationship with. I also discovered someone has been applying and attempting to obtain lines of credit in my name. I immediately contacted the CRAs ( XXXX, Equifax, and XXXX ) in XX/XX/XXXX. I informed them of the incident from XXXX along with the account I discovered. I contacted all agencies via phone and by mail. It has now been over 60 days and no accounts have been verified but are still reporting to my profile which is now in violation of the FCRA, specifically 15 USC 1681. NO INFORMATION SHOULD BE FURNISHED TO MY PROFILE WITHOUT MY WRITTEN CONSENT. Furnishing account due to Identity Theft further violates 15 USC 1681 c-2. No accounts due to identity theft should be reporting to my profile. The accounts being reported to my profile that I have no knowledge of are : XXXX XXXX ( {$190.00} ), XXXX XXXX ( {$1400.00} ), XXXX ( {$980.00} ), XXXX XXXX XXXX {$610.00} ), XXXX XXXX ( {$260.00} ), XXXX XXXX ( {$450.00} ), AND XXXX ( {$500.00} ). Again I have no knowlege of these accounts. I also noticed credit inquiries from creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX. I have NOT applied for credit with these lenders
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$500.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (KY)

My XXXX  XXXX bankruptcy was discharged on XXXX XXXX. I was advised it takes up to 60 days for Mortgage to report to credit bureau. I have contacted all three credit bureaus thereafter and they do not show a mortgage reporting. I contacted XXXX XXXX on or about XXXX XXXX and was advised they report on the XXXX of the month. To date XXXX XXXX - my mortgage is not reporting. 
This is a major impact on my quality of life and its not acceptable.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap BANK OF AMERICA Account Number : XXXX. 
Date open : XX/XX/2014 Please remove it from my credit report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I requested Experian to remove the inquires due to fraud, XX/XX/2024 and sent fraud report and asked to to block all inquiries due to freeze I also asked to remove all information I didn't give authority to post on my account anything that's over 7 years and I asked a full investigation properly the law states, FCRA section 605B it is illegal to report information on my credit report without my permission and I asked them to remove items
Consumer complaint received 2024-01-12
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. (AZ)

previous case from cfpb won case with no monetary but accounts still present on report, Per the Fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal, per 15 usc 6802. 

also remove all non mailable addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX current and only address mailable is XXXX XXXX XXXX XXXX XXXX az XXXX please remove and delete from consumer report listed XXXX inaccurate information no account number listed on report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all these were requested to be removed but have not been updated
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2018-04-22
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (MI)

I mention how I wouldn't be able to pay the full balance offered because of an add on/default charge of 600 to 700 dollars and how I would rather " eat '' then starve ( from lack of financial resources ) and pay for the bill. She said " it doesn't matter, do you want the legal authorities to seize your assets? Are you ready to make a payment or not? I will put a refusal to pay on your account. '' Very unprofessional Tuesday, XX/XX/XXXX. XXXX.

" We don't have time for games. We see your call record. If you're not willing to pay today I will put a refusal to pay on your account. Very unprofessional
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (OH)

XXXX sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where XXXX makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a XXXX representative that my credit report would be cleared once paid. However XXXX did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because XXXX falsely confirmed everything to be accurate. Please see attached order from the CFPB that required XXXX to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my XXXX XXXX, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like XXXX is still up to their unethical tactics and haven't learned from the $ XXXX order.