davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 
XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ran my credit report and noticed the reporting from TransUnion without my knowledged nor consent, from the following companies below. 
TransUnion is reporting duplicate hard inquiries on my credit report, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX without my approval!

XXXX XXXXXXXX XXXX XXXX twice in the same year. XXXX XXXX XXXX and on XXXX XXXX XXXX.

XXXX  XXXX XXXX XXXX XXXX and 2 months after that on XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine. 

I have listed the inaccurate in PDF and sent it to the Bureaus. Please see the attached file on this complaint
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Recently I decided that I would keep a closer eye on my credit. When I first looked I was freaked out to find that there were some MAJOR errors on my report. My rights and privacy are being violated and it is causing a major riff in my life ; I have been unable to focus at work, because this is dominating my thoughts day in and day out and I need help
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (OH)

This is an official notice from XXXX XXXX regarding a lawsuit filed in XXXX County Court against XXXX, XXXX, and XXXX. All creditors have been informed about fraudulent transactions on XXXX XXXXXXXX XXXX credit profile. Any creditors who continue to report these fraudulent accounts may be included in the lawsuit. It is advised to remove all credit reporting in accordance with the Fair Debt Practice Act and the provided evidence of identity theft through an affidavit. Those aiding in fraudulent credit reporting may face charges in the lawsuit, and if judgment is granted, creditors may be subjected to collection efforts and potential commercial liens. cease all credit reporting immediately. Thank you.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-04
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)

I am a victim of identity theft from Equifax XXXX  breach. 

Since then I have placed a lock on my credit report and also froze my credit with all XXXX  Bureaus. XXXX  has also placed a statement on my credit report. Nevertheless I am still having accounts opened on my credit report that is not mine. 

The latest one is from XXXX XXXX XXXX XXXX XXXX XXXX   was opened and transferred to a debt collections agency. {$790.00}. XXXX XXXX XXXX ( I have never lived nor live there ). This has caused emotional distress, and also I am unable to move to another home until this removed from my Credit. 

Please help, this continues to happen and I dont know what to do anymore.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

I am writing to request the immediate removal of the late payment entry from my credit report as the above company violates the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) states the consumer report does not include the report containing information solely as to transactions or experiences between the consumer and the person making the report, U.S.C 1666 ( B ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason and U.S.C 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party.
Consumer complaint received 2024-06-06
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)

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-04-26
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. (ME)

I am writing to dispute the inaccurate information on my credit report related to an account with XXXX, account number XXXX. According to the information provided by your agency, the account has been charged off and sent to collections, and also shows as 120 days past due. However, this information is inaccurate. 

As per the Fair Credit Reporting Act, Section 607 ( b ), credit reporting agencies are required to provide accurate and complete information in credit reports. Inaccurate information on my credit report has negatively impacted my ability to obtain credit and loans, as well as other basic necessities. 

Furthermore, 15 U.S. Code 1681s2 requires furnishers of information to provide accurate information to consumer reporting agencies. Reporting a charge off and collection account for an amount that has been claimed as income on my taxes is a violation of this law. 

Therefore, I am requesting that you investigate and correct the inaccurate information on my credit report regarding the XXXX account in question. I also request that you provide me with an updated credit report reflecting the removal of this account within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX someone got into my XXXX account with Citizens Bank and hacked my cell phone. They opened a XXXX XXXX. I had that card cancelled right away with XXXX XXXX. I called Citizens and filed a fraud complaint. I was getting calls from Citizens and they had me on hold for sometime. This was a scam to transfer the money. {$2300.00}. My phone is still hacked and XXXX is working on that. I filed a police report and with Identity Theft.gov. Citizens has informed me that they will NOT refund my money. The banks money is insured, why isnt my money insured.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (AL)

XXXX  XXXX XXXX in XXXX Alabama is attempting fraud with the USPS postal service. XXXX  XXXX XXXX opened a XXXX XXXX in XXXX Alabama with my exact XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. This is after I reported that there was an attempt to cash several checks that were sent to XXXX Alabama. The Banks were Wells Fargo and XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX is now the recipient of my mail, instead of mail being received at XXXX XXXX XXXX XXXX, Alabama XXXX, the mail is sent to XXXX XXXX XXXXXXXX XXXX Al. XXXX. Recently, Wells Fargo updated the information on what is supposed to be a closed account. Wells Fargo updated the phone number and the bank account number. Wells Fargo in settling our previous dispute of opening checking accounts and cashing checks was suppose to refund the fraud money and of course they did not. Instead Wells Fargo sent information by mail stating that I owe them money. Now the plot thickens in an attempt to direct mail to XXXX Alabama by way XXXX  XXXX XXXX.
Consumer complaint received 2023-09-25
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. 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 XXXX XXXX XXXX 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 2023-09-01
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. (CT)

Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer.

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NC)

Submitted XXXX application in XXXX. XXXX requested proof of income. Proof of income now provided multiple times ( beginning of XXXX being most recent ). Confirmed on XXXX that information was received and application would be fully processed by XX/XX/29, and that account would be in administrative forbearance during that time. Have received multiple notices of " overdue balance ''. Have had multiple contact attempts ( phone calls and emails ) not returned, and chat feature is always unavailable. Spoke with XXXX XXXX and was told that my application had been denied due to not receiving proof of income. I had not received any information regarding a denial, and when I mentioned previous confirmation about receipt of that info was informed that a request to review the completed app would be submitted now that they had it. Was told that this would take at least another XXXX business days, and that administrative forbearance " might '' update then.
Consumer complaint received 2024-01-04
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. (NJ)

I am formally filing a complaint against the a few credit reporting agencies ( XXXX, XXXX, XXXX and Equifax ) as I have submitted many notices to them requesting vital information in which they can only furnish. To date, I have not received a response or update to my requests ; therefore, I am demanding that the inaccuracies are updated on my Con

sumer Report. I recently reviewed a copy of my Consumer Report and noticed that there are a few accounts that have not been reporting accurately. These errors are causing inquiry to myself and family as we cant obtain the necessary goods and services for my household. 

According to the information currently reporting on my consumer reports, there are several accounts that have been noted as Charge Offs. I am aware that all businesses lawfully acting in commerce are to utilize IRS Form 1099C Cancellation of Debt for any remaining debt obligations not recovered. This IRS form is intended to be reported as income and not debt. 

This inaccurate information being furnished on my consumer report is clearly going against the rules of construction in the area of exclusions of reports containing information solely as to the transactions or experiences between the consumer and the person making the report. It also is inaccurate according to IRS Publication 4681, as cancelled debts are defined as Income and not Debt.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm reaching out to highlight the erroneous personal information linked to my identity. Several accounts and transactions, which I neither initiated nor authorized, have been incorrectly associated with me, leading to considerable distress. I've fallen prey to identity theft and have promptly reported this incident. This situation has adversely affected my financial health and personal reputation. I urge your immediate assistance in removing all incorrect entries from my credit report and launching a comprehensive investigation. I stand ready to furnish any required proof and, if necessary, pursue legal avenues to defend my rights and obtain due compensation. I truly appreciate your swift attention to this pressing issue.
Consumer complaint received 2024-06-07
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX