davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

YOU ARE IN VIOLATION OF THE FCRA LAW! THIS IS NOT AN ANSWER TO A DISPUTE! IT'S AN EXCUSE TO PREVENT PROVIDING ONE OR INVESTIGATING MY CONCERNS THAT YOU ARE FULLY REFUSING TO CORRECT! SEE ALL ATTACHED!
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account Number XXXX  XXXX ( XXXX XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX  ) Account Number XXXX  XXXX ( XXXX XXXX ) Reference number XXXX  XXXX ( XXXX  XXXX XXXX. XXXX ) 15 U.S.C 1681 SECTION 602 A. States i have a right to privacy. 

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2024-01-18
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)

XXXX XXXX XXXX XXXX has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action! In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Consumer complaint received 2024-01-18
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. (VA)

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 XXXX party. They in fact did not come from a XXXX 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 2024-04-29
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. (FL)

I recently looked over my credit report and noticed a inquire I did not authorize with XXXX  XXXX on XXXX. I filed a dispute online at all three credit reporting agencies. I called and I was told the I must file a complaint here first before I can speak with the fraud department. There also a XXXX XXXX  Delaware XXXX # XXXX DATE XXXX - XXXX ... .I did not authorized this account. I had no idea this was even reporting on my account.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to follow up my dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

My name XXXX XXXX. I became a victim of identity theft a long time ago. After that incident I noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately. Besides these items, I also want to delete incorrect names and addresses that I do not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not authorized by me as soon as possible. Please see attached identity theft report.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PRA is in violation of their XX/XX/XXXX Consent order between their company and the CFPB by violating Consumers rights under FDCPA. PRA sent a collections notice on XX/XX/XXXX saying they purchased an account from XXXX XXXX XXXX and will not begin collections until 30 days after the notice unless I dispute. The FDCPA requires debt collectors to state the amount of the debt, among other things. They type of Account or An amount " Owed '' was not stated during the initial contact made with me via USPS mail. I mailed their dispute department a Debt Validation Letter stating that if they were not able to provide me with proper documentation, that they must cease collection activity. In their written response to me, they did NOT provide me with any proof of the Address on file for the alleged debtor, The original balance, The date the alleged debt became payable, The date of original charge off or delinquency, the amount paid for purchasing the alleged debt owed, the agreement granting PRA authority to collect the alleged debt, any proof or copies of any signed agreements or contractual obligations between the alleged debtor and the debt collector, any signed agreements wherein the alleged debtor agreed to pay the creditor, all statements while this alleged account was open, the name and address of the bonding agent for PRA, or the authorized signature for the creditor. They never provided me with any documentation to establish their rights to collect this so-called debt within the 30 day time frame. Their consent order specifically states they are not allowed to collect on debts they can not validate. Under the order, they must have the original account-level documents verifying a debt before attempts to collect on it when, for example, a consumer has disputed it. FDCPA, 15 U.S.C. 1692e, is clear when it states the law prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. In the era we live in today, identity theft is at an all time high and this company is known for being in violation of consumer 's rights, paying millions of dollars in restitution! They can not continue to harass people based off of the information from these alleged " sellers of debt ''. Additionally, the response they sent was clearly an AUTOMATED response because the font was different and some inserted information contained all CAPS, which can also be interpreted as a SCAM.
Consumer complaint received 2023-07-12
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX 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 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ; XXXX XXXX XXXX XXXX XXXX {$750.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-29
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.

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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld sent collection to credit report in the amount of {$470.00}. I have received zero phone calls from this company nor have I received a verification of debt letter which means this collection agency is in violation. I have zero knowledge of the debt they are reporting that I owe.
Consumer complaint received 2024-01-18
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. (NY)

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$7800.00}
Consumer complaint received 2024-01-18
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. (IA)

I have consistently disputed the inaccuracies in the given information with Equifax, XXXX, and XXXX, but unfortunately, the matter remains unresolved to this day. 

Equifax 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX  XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I have sent dispute letters to all three bureaus. My Equifax and XXXX report is not reporting accurate information like XXXX. It is showing a collection XXXX not removed/deleted from Equifax and XXXX but is showing removed from XXXX. It is also showing different statuses. XXXX states " collection account. {$350.00} past due as of XX/XX/2024. '' with 3 late payment derogatory marks and Equifax is showing " unpaid '' with no late payment history. XXXX has removed this account. I have documents and proof attached showing what I have stated is accurate. 

15 U.S. Code 1681e ( b ) states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Consumer complaint received 2024-04-29
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. (PA)

Hello, my name is XXXX XXXX. I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2024-01-18
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. (OH)

In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to XXXX  Accounts # XXXX XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

inst 1881 Section 604 A Section 2 lase stales a consumer repoting agency can not furnish a account without my witten 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
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XXXX XXXX Ive obtain my credit report and notice numerous inquiries and an account thats on my credit file that i didnt apply for ACCOUNT : XXXX XXXX Account Number XXXX. I also contacted the credit bureaus about this matter which is affecting my credit worthiness.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

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.