davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I am writing to vehemently dispute and demand the immediate removal of egregiously inaccurate information on my credit report, as protected under 15 USC 1681c-2. The erroneous data pertains to an XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1200.00} I have meticulously examined my credit report and am appalled by the blatant inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I demand an expedited and thorough investigation into these discrepancies, as mandated by 15 USC 1681c-2, with the expectation of swift resolution and removal of the disputed information. 

Enclosed herewith are supporting documents that unequivocally attest to the inaccuracies I am disputing. I insist on your immediate attention to this matter and a commitment to resolve the dispute within the shortest time frame allowed by law. 

Under 15 USC 1681c-2, I expect the investigation to be completed immediately. I further demand the issuance of an updated credit report promptly upon conclusion of the investigation. 

Failure to comply with this demand within the stipulated time frame will leave me no recourse but to pursue all available legal remedies, including filing complaints with regulatory authorities and seeking damages for the harm caused to my creditworthiness. 

I emphasize the urgency of this matter and demand your immediate compliance with federal law. My expectation is not merely a request but a demand for fast, efficient, and accurate resolution.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vericred Solutions LLC (AZ)

Upon checking credit, noticed a new collection added as of XX/XX/2020. Company ( VERICRED FINANCIAL SOLUTIONS LLC ) is unreachable, as well as the alleged original creditor ( XXXX XXXX XXXX XXXX. I have never done business nor received loans from this entity. The amount they have attempted to collect is {$4100.00}. I also noticed that they inquired in XXXX, and then placed a collection for the amount on my credit with a date of XX/XX/XXXX XXXX less than 60 days after initial inquiry ). Bothcompanies are Colorado based and can not be reached via phone.
Consumer complaint received 2024-02-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : XXXX XX/XX/XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX, Chief Fin XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly.

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above.

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time. 

XXXX XXXX
Consumer complaint received 2024-02-10
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)

On XX/XX/24, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 the 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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 

The credit bureaus had 30 days and didnt remove any inaccurate information from my credit report. They are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-11
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. (OH)

Please Re Investigate the Inaccurate information you are reporting on my credit report. It is illegal to report information you know to be inaccuarte. You are not in Metro 2 guidelines. IF you do not remove accounts that are disputed you will be civil liable for willful non compliance.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NC)

I spoke with an XXXX XXXX on or around XX/XX/XXXX at XXXXXXXX XXXX EST. I requested that XXXX remove the Non-mailable address of XXXX XXXX XXXX XXXX XXXX from my Consumer report ; I can not receive mail at the above-listed address. The XXXX agent refused my request after I informed him he was violating my rights. XXXX is willfully reporting inaccurate information, violating my rights, and is non-compliant with the Privacy Act of 1974. ALLY FINANCIAL INC. and XXXX XXXX XXXX XXXX 's terms and conditions of both Bank 's state that they will not report to a non-third-party affiliate.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have paid my bills on time each month for XXXX XXXX account and it is reporting as late. I also pay my XXXX XXXXXXXX credit card payment each month on time this is reporting late as well. The credit card companies are also reporting my XXXX XXXX account as not paid and this account was fraud. I work full time and pay everything on time. This information is completely inaccurate on my report. I have a XXXX credit score I can prove this. This incorrect reporting destroyed my credit.
Consumer complaint received 2020-06-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
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)

I have pulled my credit report and noticed that there are inaccuracies regarding the information that Equifax is allowing to be reported. I have recently contacted the company by phone and mail to update my personal information and they have failed to do so. 


The items that need to be corrected are my name, address, date of birth and employer. 

Also, there is a closed XXXX account that they have yet to validate and I have asked multiple times, via mail, for this account to be validated and proven to be an actual account that should be reported on my profile. My requests have gone unanswered for over a year. This is a charged-off account, but yet they keep reporting it monthly as if it is also an active account. I need more information regarding this debt and its validity.

There are also 2 US Department of Education accounts that are being reported as collection accounts between XX/XX/XXXX through XX/XX/XXXX. 

US Dept EDXXXX These accounts are being reported as late and should not be due to the Covid-19 C.A.R.E.S. Act which provided student loan forbearance during the pandemic.

These two accounts are negatively impacting my credit score, and should not be reported as late due to the federal law that was passed providing relief for student loan payments during the pandemic.
Consumer complaint received 2020-06-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 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 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 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   XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Equifax Consumer Dispute Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$220.00} XXXX XXXX XXXX  Account # : XXXX Amount : {$7600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card.

Please ensure that these documents are taken into account during your investigation.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this time frame. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months.

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-10
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. (DC)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still 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 investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). 
1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Account inaccurately reported. Account number is different from other bureau. Also Past Due of XXXX in a collection/chargeoff account. This is inaccurate reporting and misleading. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX