davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} US DEPT ED XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Subject : Dispute of incorrect Suffix Name on Credit Report. 
Dear Sir or Madam, I am writing to dispute an incorrect Suffix Name that appears on my credit report. I have reviewed my report and have identified the following incorrect information : A. Equifax Credit Bureau B. Incorrect Suffix Name : XXXX XXXX XXXX XXXX. 
C. My Correct Name : XXXX XXXX XXXX XXXX I have sent in the proper identification and documents to Equifax since XXXX of 2023 and nothing has been resolved. I expect Equifax will somehow coordinate their efforts and ensure that my credit reports accurately reflecting my Correct name. Thank you for your prompt attention to this matter. I look forward to a favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
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. (WY)

This account NEEDS to be showing In Dispute. I have disputed this many times and it should be showing that. Furthermore, Equifax stated this was verified by the creditor via their response on XX/XX/XXXX via CFPB, verbatim. However, they have not accurately reported said verification. As you can see, with the report as of XX/XX/XXXX, I am showing a last verified date of XX/XX/XXXX. This is negligent and inaccurate reporting to my requested investigations. If it was verified, it needs to be updated. Also as requested, if it was in fact verified, per the FCRA I would need to have received investigation results and proof of verification showing alleged late payment, but this creditor did not provide that. 

This displays at least 3 major reporting violations. I would be happy to submit an FTC report to report non compliance with federal reporting laws. 

As you can also see in the highlighted report, XXXX did not even show what month they are stating the payment was late for. This is yet another error. 
_____________ This issue that has occurred was I traded my vehicle in. The new vehicle dealer was in possession of the car as it belonged to them. I sold it to them to obtain a new vehicle. This alleged late payment is completely inaccurate.
Consumer complaint received 2024-04-03
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. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There are late payments on my report without my consent or knowledge.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Foursight Holding LLC (AL)

I received credit hard inquires. I never applied for credit 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I asked for verification of accounts on my credit report, and that the method of verification be sent to me I was generated a response saying verified but no information on how the account was verified. I received absolutely no contact billing statement etc regarding this account and ownership. This is a violation of my rights by fcra law
Consumer complaint received 2024-01-10
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

My information was sold and bought illegally because I was a victim or the Equifax data breach.I want these items Deleted from my credit reports effective immediately.I am attaching proof that Equifax has admitted that I was in fact a victim or this data breach and Equifax has done nothing.Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like all these accounts to be removed immediately, otherwise future action will take place. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A charge-off or canceled debt, The IRS views it as a certificate of indebtedness, essentially categorizing it as income ( IRS PUBLICATION 4681 ). Income has never been allowed on any consumer report, and it violates the Fair Credit Reporting Act. Clearly, this is a violation. I insist on the immediate removal of these accounts! XXXX XXXXXXXX XXXX XXXX These promotional Inquiries 15 USC 1681 Permissible Purposes, { {$1000.00} } fine each occurrence. I do not consent and demand you to stop and remove these third parties ... that I did not authorized. 1. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX IF YOU DECIDE NOT TO PERFORM, I WILL BE FORCE TO TAKE LEGAL ACTION!
Consumer complaint received 2024-04-03
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. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I'm XXXXXXXX XXXX XXXX XXXXXXXX Just wanted to inform y'all Could you please update my XXXX XXXX XXXX  Account : I recently came across my credit report and unfortunately your bureau has errors regarding XXXX XXXX XXXX account for my car loan you have the balance correct but unfortunately you're missing 3 months of my payments, somehow there's an error saying " UNKNOWN '' in the span of everything being paid perfectly since XXXX, not sure what's going on but please fix it immediately. I've called XXXX XXXXXXXX XXXX they reported it correctly and unfortunately your bureau is in error... Ps All 3 bureaus are in error. I get it we're all human and things happen, let 's just try to fix it in a timely manner. 

Here 's some info for the investigation. 
_______________________ These are the months that are marked " UNKNOWN '' ON XXXX XXXX XXXX ACCOUNT. 


XX/XX/XXXX XX/XX/XXXX AND XXXX IS JUST BLANK HERE 'S MY REFERENCE NUMBERS XX/XX/XXXX @ XXXXXXXX XXXX  REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- You may have to call them? 

Not sure how you go about your investigation but you could verify those reference numbers with an agent from XXXX XXXXXXXX XXXX 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Experian.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/2023 and a balance of {$1800.00}. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2. 
( it also states, a consumer reporting agency can not furnish an account without my written instructions under 15 used USCS 1666B a creditor may not treat a LATE payment on a credit card account under an open and consumer credit plan as late for any purpose. Please update to paid on time because the information being reported is NOT accurate
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contacted XXXX  to handle a situation that occurred XXXX of XXXX  when a payment to XXXX  was returned and it was reported as a missed payment. I took care of it right away where XXXX  received their funds and everything was cool, they reported it as an on time payment. after I told XXXX and Transunion they removed the missed payment and reported it as an on time payment. a few days later i checked my credit report and XXXX and Transunion changed the status again as missed payment I contacted XXXX  again to double check the status of my payment when they had told me that it was 100 % paid on time. I then called XXXX and Transunion to let them know the status and they told me they would handle it but never did. 
i checked my credit report and noticed some inaccurate dates reporting from both XXXX and Transunion I highlighted them.
Consumer complaint received 2023-09-01
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-02
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. (NY)

I just reviewed my XXXX and Transunion credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to file a formal complaint against Transunion for its repeated violations of the Fair Credit Reporting Act ( FCRA ) concerning my XXXX XXXX Account ( XXXX ). Despite multiple attempts to address and rectify reporting errors, Transunion has consistently failed to adhere to the FCRA, thereby compromising my rights as a consumer. 

On numerous occasions, I have contacted Transunion to dispute discrepancies in my credit report and to exercise my rights under the FCRA. Specifically, I have submitted a method of verification letter via certified mail, as prescribed by the FCRA. Regrettably, Transunion has failed to respond adequately, neglecting its obligation to provide a thorough method of verification. 

Attached herewith is my credit report, which clearly illustrates multiple errors associated with my XXXX XXXX Account. These errors have been brought to Transunion 's attention through a certified request for investigation. However, instead of conducting a diligent examination, Transunion has responded with a generic " verified as accurate '' letter, overlooking the specific discrepancies reported and violating my right to a fair and accurate credit report. 

I would like to commend XXXX and XXXX for their responsible handling of similar disputes, resulting in the removal of the disputed account, as evidenced by the attached documentation. Unfortunately, Transunion has not exhibited the same commitment to conducting a comprehensive investigation, perpetuating a persistent error in my credit report. 

I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions to ensure Transunion 's compliance with the FCRA. Your intervention is crucial in rectifying these violations and safeguarding the rights of consumers. 

Thank you for your attention to this matter. I am confident that your involvement will lead to a fair resolution