davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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: Experian Information Solutions Inc. (MI)

Issue : ** Despite clear evidence of violations provided, Experian has chosen not to remove the debt, even though there have been no changes to report. **Experian Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** Experian failed to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by inadequate documentation from XXXX  XXXX XXXX . This violates FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76. 2. **Delay in Responding ( Code : XXXX ) : ** Experian did not respond within a reasonable period despite my letter dated XX/XX/2024, violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field 79. **XXXX  XXXX XXXX Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** XXXX XXXX XXXX  's documentation inadequately ties the debt to me, violating FCRA Section 611 ( a ) ( 1 ) ( B ) and Metro 2 standard , Field 76. 2. **Neglecting to Address Dispute ( Code : XXXX ) : ** XXXX XXXX XXXX  failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard . 3. **Shifting Burden of Proof to Consumer ( Code : XXXX ) : ** XXXX XXXX XXXX inappropriately shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart .
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

My information was sold and bought illegally because I was a victim of 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 of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.. 

DEPT OF EDUCATION LOAN
Consumer complaint received 2023-12-11
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)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. Recently, I observed that there have been late payments reported on my credit card account. After reviewing my records and statement, I believe there might be an error or misunderstanding regarding this late payment. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 
XXXX XXXX XXXX XXXX -This account was NEVER late. The late payments are erroneous. This payment was made on time. I am requesting that the late payment marking be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. I value my relationship with XXXX XXXX XXXX and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.
Consumer complaint received 2023-12-11
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)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are several accounts being reported as delinquent or as closed acccounts and that information is not accurate. 

these accounts do not belong to me and need to be removed its a clear case of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX These accounts have been disputed numerous of times and these bureaus have failed to remove the inaccuracies, placing a burden in my life.
Consumer complaint received 2023-12-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-11
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. (NY)

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items 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
Consumer complaint received 2023-12-11
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX and my information was sold and or bought illegally. Because I was a victim of the Equifax data breach. And the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reach out to both Equifax and XXXX XXXX XXXX XXXX, but as of today I have not heard back for either company.
Consumer complaint received 2023-12-11
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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FIRST INVST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (MI)

Correct name and address that should be reported. Remove all names and old addresses from credit report. One name a d one address should be reported. Enclosed be find a copy from secretary of state with Correct name and address
Consumer complaint received 2024-03-23
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. (PA)

I reviewed my credit report and I noticed a late payment reporting on my XXXX XXXX  account ( account number XXXX ). I was actually not late on this account. According to 15 US Code 1681e, credit reporting agencies have a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a copy of my report to this complaint on XX/XX/24. I am now requesting that you investigate and provide verifiable proof with records showing that I had these late payments. If this information can not be verified, please update these payments to paid on time immediately. Please see screenshots attached. Thank you for your prompt attention to this matter
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (TX)

Hello i am having big trouble getting my credit report from equifax information services llc. I have tried through the website EQUIFAX provides on their website and it gives me an error BLNK and says to contact customer service to get a credit report. I contacted them previosuly and they mention all information looks good to go and i should be able to see it. I waited a month and tried once again but its still giving me a " technical error '' and sayign i need to contact customer service. CREDITORS OR MYSELF ARE NOT ABLE TO SEE A EQUIFAX CREDIT FILE AND ITS REALY CAUSING DISTRESS AND XXXX. I have a big long standing good credit file but yet it shows i have nothing on there. Once i contacted the equifax customer support team they informed me to mail in documents to prove my identity and my current address. I have sent those over certified mail in hopes of the issue being cleared. 

I am attachign documents to prove my identity and my current address
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ), I am challenging all inaccuracies or deficiencies of reporting from my credit report. The information in my profile needs to be accurate and complete, so I am asking you to follow the Metro 2 compliance standards and FCRA law to ensure that all data is accurate and up-to-date. If you find any misrepresentation of facts on my credit report, it can have serious consequences, so I need you to fix these problems right away. From this point forward, I only want factually accurate, verified, and compliant data documented on my credit report.
Consumer complaint received 2023-12-26
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-02
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. (CO)

2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX XXXX 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have no knowledge of several account on my credit report listed as XXXX. The account numbers are listed as XXXX, XXXX, and XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own these accounts.
Consumer complaint received 2023-12-21
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)

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

Equifax : EQUIFAX MORTGAGE SER XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-12-11
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. (NY)

This is 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 2023-12-11
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. (NC)

I have hard inquires on my credit report that I didn't authorize and I don't recognize. 

Processional Financial # XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
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. (OH)

I WAS NEVER LATE ON THIS ACCOUNT I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B
Consumer complaint received 2024-04-14
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account but was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates : XX/XX/2023 and XX/XX/2023. I am requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-11
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)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. Being that this debt was recently purchased, there is no prior course of dealing pursuant to the XXXX XXXX XXXX. XXXX. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : 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 2024-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Blockchain.com, Inc. (CA)

Dear CFPB, I am writing to file a complaint against Blockchain.com , Inc. XXXX XXXX XXXX XXXX XXXX XXXX 

The issue at hand is related to my accounts XXXX, which were registered in XXXX. According to the policy at that time, the passwords for these accounts can be recovered if the login password is forgotten. 

However, I am confused as to why the passwords can not be recovered at this time, and I have never received any notification from Blockchain.com informing me of any changes in the password recovery policy. 

I strongly request that my passwords be recovered! As a long-term user, my accounts are very important to me because they are directly related to the evidence requested in ( COMPLAINT ID XXXX ), and I need information on the remittances of Bitcoins sent from these accounts at that time.

I need to regain access. I implore the CFPB to investigate this matter and take appropriate action. If any additional information is required, Please provide me with the necessary steps and I will cooperate by providing the requested information. I would appreciate your prompt response and help in resolving this matter.

I look forward to the CFPB 's attention to this complaint and a positive response. Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-11
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. (WI)

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 This account has incorrect information, I want it removed from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (FL)

Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is MIDWST RCVRY. The original creditor was XXXX XXXX XXXX XXXX XXXX. and this is not my debt. I am XXXX feet tall not XXXX feet XXXX  inches, I have XXXX XXXX, not XXXX. I was XXXX not XXXX. I've never been employed by XXXX XXXX. I have not been XXXX XXXX  sinceXX/XX/XXXX. I never lived at the address in the complaint or on the hospital bill. I was never XXXX XXXX in the state of Florida. This is a case of mistaken identity or identity theft
Consumer complaint received 2023-08-30
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. (AR)

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern.I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX