davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-11-24
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. (FL)

In accordance with the Fair Credit Reporting act 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also
states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-20
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-24
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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-10-23
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 6802 A. may not disclose personal information.
Consumer complaint received 2023-11-24
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. (TX)

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 2023-11-24
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (AZ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-11-24
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. (FL)

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised these accounts listed in letter was fraud. Said company had days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is nor request EQUIFAX to provide the documentation used to determine the accounts was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet take signature, consumer is Not asking for an XXXX  report. if EQUIFAX does not have documentation to show these were in fact authorized it evast be removed asap. SAID company is liable under the SEC to follow certain reles. EQUIFAX Commission file number.XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I filed an identity theft report with the ftc ( XXXX ) about XXXX card - XXXX XXXX illegally sharing my private personal information in violation of my rights and equifax didn't promptly remove the account as required by law. I plan to file complaint with various oversight agencies and them file a lawsuit in XXXX.
Consumer complaint received 2020-07-28
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. (OK)

There is a false judgment for money on my credit. I have disputed to Experian, The XXXX XXXX   XXXX  and XXXX XXXX XXXX, which is the XXXX XXXX XXXX of XXXX XXXX. XXXX XXXX placed a judgment on my credit claiming I owe {$2600.00} and gave a case number from the court docket that had no award for money.. I was never served or notified of this being filed even tho XXXX XXXX had my forwarding address. In court, the judge rules that XXXX XXXX can take posession of the property only and that NO MONEY is awarded. Regardless, they placed a money claim on my credit report. I have contacted Experian and disputed this several times and each time they say the claim is accurate after speaking with XXXX XXXX and their XXXX XXXX. I have sent in court documents that show they were only awarded possession of the property. Regardless, they refuse to remove the {$2600.00} claim from XXXX XXXX. Also, this is on my credit report twice. Once by XXXX XXXX as well as once by XXXX XXXX XXXX even tho it is 1 case. So when my credit is run, it appears that I have been evicted twice. This has cost me money and problems when I have tried to rent a property. Once in 2018 and once this year. Now Experian is telling me I can not dispute this anymore and will not take a dispute claim from me. I am never told what exactly is investigated or what documents they look at or how they decided in the other parties favor. I'm just told its accurate. How is it accurate when the court papers say NO MONEY AWARDED?
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I am submitting to express my appreciation for your efforts in addressing some of the fraudulent items in my credit file, stemming from an alleged identity theft. However, it has come to my attention that several remaining items persist, demanding your urgent attention and resolution. Upon a thorough review of my records, I have identified numerous files that do not pertain to me yet continue to be reported in my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I would like to bring to your immediate attention the legal requirement for Credit Bureaus to expeditiously remove such items that are proven to be opened due to identity theft. To support my claim, I am attaching the necessary Federal Trade Commission ( FTC ) Report, with reference numbers XXXX, XXXX, and XXXX, and a copy of my bank records. The disputed items, detailed below, are unfamiliar to me and do not align with any transactions I have authorized : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} ***EQUIFAX*** XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021
Consumer complaint received 2023-11-22
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 called transunion and equifax to verify who is reporting as Dept of the Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that 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 reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy
Consumer complaint received 2024-01-03
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. (OR)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

As a result of HJR 192, we the American people are the Creditors. Also a bank can not lend it credit. See LANGDON v OCWEN LOAN SERVICING LLC, WESTERN PETROLEUM CO. V FIRST BANK ABERDEEN , BANK V FINANCE ETC ETC. If these fact are true then any negative mark are fraudulent in nature and are being used to force my obedience which is extortion by XXXX XXXX ... Plus a check has been written and issued in accordance to UCC regulations.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir/Madam, I am writing to address a concerning issue regarding inaccuracies in my credit report, as documented in my report dated XX/XX/2023. Several items were initially deleted, providing relief and resulting in a credit score of XXXX. Regrettably, upon re-evaluating my credit report on XX/XX/2023, I discovered the re-inclusion of XXXX XXXX # XXXX and the persistent presence of XXXX, fraudulently affecting my credit score, which dropped by XXXX points to XXXX. 

The following items were initially deleted : XXXX. XXXX XXXXXXXX # XXXX ( Unauthorized ) XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX 's XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Despite the previous removal, the re-appearance of XXXX XXXX # XXXX is deeply concerning and suggests a lapse in data integrity. Moreover, the ongoing inclusion of XXXX # XXXX, despite my previous dispute and the evidence of identity theft provided in the attached data breach notification from XXXX XXXX is distressing. 

I have attached documentation, including the data breach notification from XXXX, which identifies me as a victim of identity theft ( FTC # XXXX ). Given this evidence, I kindly request the immediate removal, block, and deletion of the aforementioned items from my credit report. 

I understand the gravity of identity theft-related matters and will not hesitate to escalate this issue by filing another complaint with the Consumer Financial Protection Bureau ( CFPB ) if necessary. I trust that you will promptly investigate and rectify these discrepancies in accordance with the Fair Credit Reporting Act. 

* Please delete, remove and block these creditors and inquiries. 

Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this issue expediently. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-22
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. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-11-22
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX