davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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: Experian Information Solutions Inc. (AR)

I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (MO)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.
Consumer complaint received 2023-01-25
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. (TX)

Hello I have disputed the following accounts for inaccurate information being reported and Must be removed immediately for violating my consumer rights. I submitted a formal complaint to XXXX, Experian, XXXX. XX/XX/2022. All XXXX credit bureaus are showing different date last activity and payment dates. Please provide the proof of the investigation since you all verified this accurate. But it cant be if all are reporting different information. 

XXXX  # XXXX I have not ever been late on this account. Update the late payments reported. 

Further more creditors can only report information to the credit reporting agencies that is accurate and they have failed under the guidelines of FCRA.

15 U.S. 1681s 2 ( A ) ( 1 )
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (MD)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is 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 2023-08-23
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: EQUIFAX, INC. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX 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 2023-08-23
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: EQUIFAX, INC. (TX)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus XXXX XXXX XXXX  to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00}
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (LA)

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 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

As part of the Equifax hack, there is a website to check if your information was compromised, and if it was, you can sign up for 1-year of free credit monitoring. I signed myself up, but I 'm unable to sign my son up online because he is under 18 ( he is XXXX, but has had a job, bank account and has paid taxes since he was XXXX ). 
I called Equifax ( 3 different numbers, I kept getting passed around ). They will sell me a " family plan '', but wo n't sign my son up for their monitoring services for a minor for free. 
They were n't able to explain to me why they sell a family plan, but are n't willing to provide the same service for free as part of the hack response.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (AL)

I am submitting this complaint to address the fraudulent accounts that the Credit Bureaus have inaccurately reported on my credit file. In my efforts to rectify this situation, I have researched the necessary steps to remove these false accounts from my credit report. It came to my attention that I must contact the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov to file a report. Additionally, as per the FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate and block any accounts that are listed in an identity theft report I have attached the relevant documents to facilitate the process of rectifying this erroneous information that has been posted on my credit report. Enclosed, you will find the list of accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to promptly block any information in the consumer 's file that the consumer identifies as stemming from fraudulent activity, within four business days of receipt of such information.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (CA)

My credit report is showing late payments on XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XXXX i purchased a XXXX computer, made payments on it for several years, I fell behind, the interest rate was extremely high andI couldnt get to the balance. I stopped making payments in XXXX. Its been over 10 years and the negative response is still on my credit report. The original company, XXXX sells it off to XXXX a while back then it gets sold to XXXX company and they say the origianal creditor is XXXX. That is false they keep selling it off and repeating it over and over, and do this over 10 years, and keeping it current. Please look into this.
Consumer complaint received 2019-11-21
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. (GA)

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/ Company : XXXX Date : XX/XX/XXXXCompany : XX/XX/XXXXL Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXXDate : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XXXX Company : XX/XX/XXXX Date : XX/XX/XXXXCompany : XXXX Date :XX/XX/XXXX Company : XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXXXX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXXXXXX XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company :XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX XXXX   Date:XX/XX/ Company : XXXX   XXXX Date : XX/XX/ Company XXXX XXXX XXXX   Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX XX/XX/XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ Company : XXXX XX/XX/XXXX Date :XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX  Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : Untitled { Medical ) Account # XXXX Amount : {$1000.00}
Consumer complaint received 2023-08-22
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. (MD)

Subject : Dispute of Violations of Fair Credit Reporting Act ( FCRA ) Rights - Request for Immediate Deletion Dear XXXX, I am writing to formally dispute and bring to your attention several violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in the U.S. Codes and credit laws. As a consumer and natural person, I am fully aware of my rights, and I am invoking these rights as guaranteed by The Congress to ensure the accuracy and integrity of my credit information. 
Reference is made to the accounts listed below which have infringed upon my rights as established in the FCRA : Accounts in Dispute : XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX. XXXX Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
XXXX XXXX New Charge Off Date XX/XX/XXXX {$950.00} XXXX. Delinquent Account XXXX XXXX, XXXX A delinquency has appeared on your credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. Account Closed XX/XX/XXXX An account has been identified as Closed by the creditor or consumer. 
XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX {$5800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX {$1200.00} XXXX. New Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Consumer complaint received 2018-04-13
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. (MO)

Iam a victim of transunions inquiry issue i have 92 hard inquiries on my report the only items that are mine are for XXXX XXXX  and XXXX XXXX XXXX XXXX which is who i have my vehicle with
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-08-22
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. (CA)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX