davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (TX)

I'm reporting that my information was bought and sold illegally, My information was also improperly used & shared without my consent because I was a victim of the Equifax data breach. 

I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 

I am attaching a letter containing all the information needed to help in this complaint.
Consumer complaint received 2023-11-28
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2024-01-08
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)

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-28
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. (GA)

I am a victim of the Equifax data breach and My Information was bought and sold illegally. I want these items deleted from my credit reports effective immediately. I am providing proof that Equifax has admitted that I am in fact a victim of this data breach and equifax has done nothing. I am providing proof that Equifax has admitted that I am in fact a victim of this data breach and equifax has done nothing.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MN)

I just found out with BLUEBIRD there is an added card number ending in XXXX in which I do not have that card. Please remove that card from my Bluebird Account. I only have one card open with my account at Bluebird ending in XXXX. Thank you for your assistance in these matters.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I reached out to credit reporting company several times to remove incorrect names addresses and account 's that are showing on my credit report. I reached out in XXXX, XXXX and XXXX. As of now, which we are in XXXX nothing has been removed.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists. 
I Have Addressed This Situation Multiple Times Of Unverified Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation # 1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation # 2 Also The Law Fcra Section 611 Part ( A ) ( 1 ) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation # 3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On XXXX XXXX 1997, Filed ( D.C. No 95-Cv-01743 ). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS CREDIT BEAURUS ( UNDER CFPB )
Consumer complaint received 2023-08-29
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I received a letter from CapitalOne, dated XX/XX/2023, requesting more information to continue to review my application for a Capital One XXXXXXXX XXXXXXXX XXXX  including a copy of photo ID. 

I submitted no application. A hard credit pull was performed with the credit reporting agencies and according to my account with XXXX, my credit score went down a few points.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ] NATIONAL CREDIT ADJU has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and Equifax. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX have not provided any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) ; therefore they need to retract this from my credit file immediately.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (FL)

Aargon agency inc {$1100.00} XXXX XXXX XXXX {$1600.00} I don't know where these are but I am a victim of identity theft and in there are a whole bunch of of accounts that I don't know about including these two. They said it was for XXXX XXXX XXXX I believe that someone has my ID and social security card which I had lost and use my name. I don't know why but this is not acceptable. I called XXXX XXXX XXXX XXXX  and they gave me this information. I seen it on my credit report and I told them that I did not know what these files are but they just told me that I need to pay. I'm not going to pay for something I didn't receive. Please help. Thank you
Consumer complaint received 2023-11-16
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)

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 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 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-11-16
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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 XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

This ongoing fraud claim with Chase has been quite sometime, on XX/XX/XXXX, Chase has sent a letter to me by mail in regards to my fraud claim that has been updated and unchanged... 
( REFERENCE NUMBER : XXXX ) My credit card has been compromised and I believe someone had stolen my credit card information and has made multiple purchases to the merchant " XXXX XXXX XXXX '' I have never done business with this merchant before and I have no idea who this merchant is.. Chase has made assumptions instead of probable through investigation to my fraud claim which is quite surprising since Chase is a large financial institution with banking fiduciary responsibility.. Don't you think they should at least contact the merchant about this matter instead of asking me to provide documentation and go into detail to find out who used my credit card as fraud? This makes no sense and is hard to provide on my end and Chase also knows this that's why they're sending me in circles to dodge this claim as best as possible. It's not like I do not want to provide documentation, But there is none.. Chase 's global fraud operation team DID NOT even hesitate to even investigate my claim so they dragged this claim for several months.. ( going back to XXXX ) This incompetent behavior is unethical, and does not meet industry standards of compliance, and consumer protection. They also contacted me through phone and have told me they take this matter " very seriously.. '' I talked to XXXX, from Chase 's fraud department and she told me she will get back to me on the next business day but she never did.. And, also I talked to XXXX from the same department. ( XXXX ) ( EXT : XXXX ). In the comments from the letter they sent me by " Card Executive Office '' XX/XX/XXXX they specifically stated " REGARDING YOUR REQUEST THAT WE PROVIDE DOCUMENTATION, OUR FRAUD REVIEWS ARE INTERNAL AND WE ARE UNABLE TO PROVIDE ANY DOCUMENTATION THAT WOULD SHOW WE CONTACTED THE MERCHANT. '' This level of incompetence is inappropriate, and needs to be investigated throughly on a high level from the CFPB since Chase has noticeable issues with their department and has failed to meet industry standards of consumer protection. They also have closed my credit card accounts from my personal/business even stating they have " failed '' to protect me as a consumer. CFPB please take action and investigate this fraud claim and protect me as a consumer because I do not believe Chase is an ethical bank that meets banking standards and I also believe I have lost faith in the credit system since Chase will not do anything in terms of consumer protection about this subject.
Consumer complaint received 2023-11-28
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$620000.00} XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2023-11-28
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. (IL)

XXXX XXXX XXXX was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead XXXX XXXX XXXX sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX Account number XXXX I sent proof over 5 times in the past year showing I was a victim of identity theft still the accounts remain I asked the company to send me over verification and prove that I am on these accounts and I signed documents or contracts with these companies on XX/XX/2024. They did not do a proper investigation. They did not respond to my letter. 

I am a victim of identity theft I reported these accounts listed above many times its still on my Credit file Based on, 15u.s code 1681c-2 a consumer reporting agency shall block the reporting of any Information in file of a Consumer that the Consumer identifies as information that results from an alleged Identity theft. not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my Consumer report as they are in VIOLATION under 15 u.s code 1681b- permissible purpose of Consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other. ( 2 ) in accordance with WRITTEN INSTRUCTION of the Consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my Consumer report which violates my rights as a federal protected Consumer. NO CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I trust this message finds you well. I am writing to address a matter of utmost importance regarding my credit information. Regrettably, I have discovered that my personal data, compromised as a result of the Equifax data breach, has been illicitly sold and purchased. 

Enclosed with this correspondence is irrefutable evidence affirming Equifax 's acknowledgment of my status as a victim of the aforementioned breach. Despite their acknowledgment, there has been a conspicuous lack of remedial action on their part, leaving my credit reports tarnished with unauthorized accounts. 

In light of these circumstances, I kindly request your immediate attention to rectify this situation by expeditiously removing the unlawfully acquired accounts from my credit reports. Your prompt assistance in addressing this matter would be greatly appreciated. 

l am at your disposal to provide any further documentation or information required to facilitate the resolution of this issue. Your cooperation in expediting the removal of these inaccurate entries will not only alleviate the financial burden imposed upon me but also restore the integrity of my credit history. 

Thank you for your prompt attention to this matter. I eagerly anticipate your assistance in resolving this issue in a timely and efficient manner.