davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-23
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-11
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. (IL)

In accordance with the fair credit reporting act convergent account # XXXX, # XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name XXXX XXXX XXXX disputing the this account I ask it to be deleted now I never opened this account my identity was stolen 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Law 15 U.S.C. 1681-1681x 1029. Fraudulent Presentment and Related Unauthorized Credit Card Transactions Made by Access Device18 U.S.C. 1029 ( a ) ( 7 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ACCOUNT NAME : XXXX XXXX XXXX details Paid off - Balance - Balance updated - Original balance {$240.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2023 Account type Sales Contract Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid in settlement/Never late. 
Status updated XX/XX/2023 Original balance $ XXXX  Monthly payment - Last payment date XX/XX/2023 Additional info XXXX XXXX XXXX 24 Months Company sold - Original creditor - Comments Account paid in full for less than full balance Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NC)

I received an offer that clearly stated Im preapproved for a higher credit limit. Its very clear this is one until XX/XX/XXXX. I responded and applied giving sensitive personal income information and they said the offer was no longer valid. They in a second reply to me asked for more sensitive and personal information. In a third reply, they told me I had to apply and this offer wasn't valid despite the letter I received clearly saying I had until XX/XX/XXXX and I was pre approved. I think they are trying to mine additional personal information from me or they are clearly discriminating against me for whatever reason. I simply want what they said was available to me.
Consumer complaint received 2024-04-23
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. (AR)

On XXXX I mailed Equifax a copy of a dispute which specifically requested a copy of any written instructions from ( XXXX XXXX ) authorizing Equifax to share my personal information. Equifax has not provided these instructions upon request therefore now is in violation 15 USC 1681ba2. Equifax has not responded with a copy of my consumer report or any correspondence in relation to my dispute they received which now violates 15 USC 1681i5a ( ii ) therefore the agency must promptly delete the disputed account information.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-11
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 am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-06-11
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. (LA)

I mailed dispute letters on XX/XX/year>, XX/XX/year> and XX/XX/year>. I have not received any responses other than letters accusing me of working with a credit repair company from XXXX. I need the results of the investigation that should have been sent to me within 30 days of my dispute dated XX/XX/year>.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (NV)

Ive spoken to Santander. They explain to me they will not remove old debit. From 10 or more years ago. This is effecting me buying a new car for my wife and kids. There holding up me updating my Credit Report. There holding my account hostage. I can't update address cause they refuse to let me change my address. I don't live at that address. That address is from XXXX ago. 
Ive spoken on the phone with XXXX. Plenty of times. They Refuse to update my address because of Santander.
Consumer complaint received 2024-04-23
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. (NC)

I am XXXX XXXX, and XXXX 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 across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (AZ)

I was unable to make payments to todays cash do to being a XXXXXXXX and not getting paid over summer. Todays cash sent a notice to my employer demanding that I pay the remaining amount. I didn't have funds to send.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have attempted through all channels seek proper investigations into the reporting of accounts on my reports from all three major credit bureaus. All three credit bureau report that all information is accurate and they put only the account is included in bankruptcy, but still report account is closed or charged off to collectionssold off. XXXX accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this sold off. XXXX accounts before XXXX should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this.
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: EQUIFAX, INC. (NJ)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX inquiry date XX/XX/23 XXXX XXXX XXXX  inquiry date XX/XX/23
Consumer complaint received 2023-10-27
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 am submitting this complaint to you regarding account number XXXX  from XXXX XXXX I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.

I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. THESE LATE PAYMENTS HAVE BEEN UNVERIFIABLE. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSACTIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I placed a dispute to transunion stating the information on my credit report was incorrect, they did not do a thorough investigation and sent the information back as verified, the accounts in question one account is not my account, and the other account has never been late due to documents disclosed below.
Consumer complaint received 2024-04-24
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. (CA)

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.

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 2024-04-23
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: EQUIFAX, INC. (SC)

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.

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 2023-02-09
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: EQUIFAX, INC. (LA)

Hi, I sent a letter last month, XX/XX/2023, to be exact, it's a dispute letter but It's been over 30 days already and I still haven't got any update in any form coming from your company and I am in a bit of a hurry right now. I am aware that the FCRA is requiring the CRA 's response within 30 days and I learn on XXXX that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DC)

Citibank NA XXXX Shop Your Way Master Card - Shop Your Way Points earned, but never posted to account : The company has not awarded points from XXXX promotional offers : XXXX. Spend {$300.00} or more per month on travel/hotels/airfare etc. to obtain XXXX points for each month of XXXX through XX/XX/XXXX. 
- Activated XX/XX/XXXX. 
- Spent more than {$800.00} at XXXX XXXX XXXX in XX/XX/XXXX. 
- XX/XX/XXXX - Citi said on phone that the points were earned on XX/XX/XXXX. 
- Points have not been received. 

XXXX. Spend {$800.00} or more online between XX/XX/XXXX and XX/XX/XXXX. 
- Activated XX/XX/XXXX. 
- XX/XX/XXXX - Citi said on phone that online spending in the account qualified for the promotion. 
- Points have not been received.
Consumer complaint received 2020-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (PR)

On XX/XX/2020 Capital One institution from XXXX, VA XXXX, he made 1 hard inquiry on my credit without my authorization. I did not request this transaction.