davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (AL)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : XXXX 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 2024-02-19
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)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-02-18
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)

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph, + the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the XXXX consumers and the person making the report ; 22 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

This is not a duplicate complaint. This is a complaint in regards to CFPB complaint XXXX. USAA blatantly lied on this complaint and said I never requested to have my name placed on the do not call list. XXXX never researched my calls because of they did, they wouldve seen that I requested XXXX separate times to be placed on the do not call list. You have done no research in this matter and I have an issue with the dishonesty USAA provided to me and the original CFPB complaint. You need to correct that lie
Consumer complaint received 2024-02-18
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

XXXX delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt. nor therefore any such debt, in fact therefore exists Remove immediately XXXX XXXX
Consumer complaint received 2024-02-18
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. (KY)

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. 

Account name : XXXX XXXXXXXX XXXX  have Violated My Rights : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 

Attached below are the documents submitted showing the filing of the report. The Credit Bureau 's have not addressed the fraudulent account opened with XXXX on XX/XX/2019
Consumer complaint received 2024-02-18
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)

Dear CFPB, This letter is in regards to the errors in my credit ATTENTION : EQUIFAX XXXX XXXX I received notice from my broker while applying for a home loan that my consumer report is showing that I am an Authorized signer for a XXXX XXXX  XXXX XXXX that has a debt amount for {$3.00}, XXXX. I have no recollection of being a signer for this Bank Card nor do I have any accounts with this company. In my attempt to rectify this issue, I found the phone number of the bank and asked to speak with a representative. I was told that I was not listed in their system as a signer nor do I have an account with them.
Consumer complaint received 2024-02-20
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)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$2300.00} XXXXXXXX XXXX XXXX {$2200.00} Listed below are the Inquiries that are being challenged XXXXXXXX XXXX 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
Consumer complaint received 2024-02-19
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account NumberXXXX Account Name : XXXX : Account XXXX ( DO : XX/XX/XXXX ) Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX ( DO : XX/XX/XXXX ) And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

In XXXX of XXXX  I lost my wallet that included my drivers license social security card and other identifying information. Due to this someone madeseveral fraudulent inquiries, and opened up several credit cards fraudulently in my name, I would like for all of these items to be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

THE ACCOUNTS WERE TO BE DELETED OR REMOVED DUE TO THE FRUAD USED TO OPEN. WHY HAS IT REMAINED IN A CLOSED FILE YET STILL REFLECTING UNDER MY REPORT TOTALLY NOT GOOD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO XXXX  XXXX, ID FOR COMPLAINT SENT TO XXXX  XXXX, ID FOR COMPLAINT SENT TO EQUIFAX XXXX. 
The results that came back was that the following addresses were going to be removed : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax - XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( 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 ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXXXXXX Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.
Consumer complaint received 2024-02-19
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-18
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. (NJ)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under 15 USC 1681i ( 6 ) DEMAND TO COMPLY and 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability to credit reporting agency
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of, My Identity has been stole a while ago someone was taking my mail out of my mail box I did everything I was told to do and all the things where removed from my credit know they are coming back this is not my debt only thing they showed me was my address that is all i ask them to remove this because this is not my debt.
Consumer complaint received 2024-02-18
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. (GA)

On XX/XX/year>, XXXX submitted several request to dispute several old and outdated items on my credit report, and today. XX/XX/year>, I received the results of those dispute,???, ( something is clearly not right/accurate )??, to receive results so quickly, then I discovered these so- called results are automated/computer /generated, no one actually investigated the disputes in such a very short amount of time???, how could an investigation only take one day, less than 24 hours to complete????, this is really not right and unfair to the consumer, so nothing was actually investigated.!!!!, it's just all computer generated!!, this is also unfair business practices on Equifax 's part, just to feed something/disputes into a computer and then claims results are completed within 24 hours,????, there is no actual live person investigating disputes. Me, as a consumer, expects my disputes to be performed and investigated by a real/live person, thoroughly and accurate, Equifax has had all sorts of issues and complaints and unfair business practices, it seems as though with these computer generated results, it's just a quick fix or quicker way to falsely send out quick results of disputes, when no one has not even reviewed the disputes. Equifax is continuing to fail consumers. I am hoping this complaint is really going to get investigated by CFPB with favorable/fair results and NOT just send me computer generated results. 1
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX Dear sir, Regarding the review toward the reports submitted to CFPB on XX/XX/year> and XX/XX/year>, I would like to submit the same documents which I sent to your office ; the copies of drivers license and identity theft report submitted to the Federal Trade Commission XXXX As I did same thing in the previous letters, I would like you to make sure that your company had added the extended fraud alert. And, as you stated in the review, I would like you to add security freeze to make certain my identity will not be stolen again in the United States and beyond, as a person who has the credit card account and bank account outside of the United States. 

Sincerely,
Consumer complaint received 2024-02-12
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: EQUIFAX, INC. (GA)

XXXX XXXX I have disputed this item with you guys and the only credit bureau that have not removed. It is XXXX XXXX This account keeps showing up as a charge off when it was paid, and several inquiries that keep popping up on my account that I have no knowledge of, and I would like the incorrect information to be removed from my credit report