vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I checked my credit report and found incorrect addresses that do not belong to me and need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ', XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX My correct address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX. Incorrect information like this can lead to fraud, identity theft, or confusion about my financial history. My credit report should only show my actual, verified address. Please update my credit report as soon as possible to ensure it is accurate. Thank you for handling this quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
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.
State: RI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I along with my representative, have been trying to clear up my account with Freedom Mortgage so I can qualify for a new mortgage. We have been trying since XX/XX/year>. They refuse to correct the report although they verify we are correct in our requests. The refuse to escalate the trouble and have continually stated they would call back. We, XXXX and I, have called numerous times to be put on hold for two hours or more. The main issue was I took the XXXX plan and they have held that against me. I am XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX. I feel they are taking advantage of me due to my XXXX XXXX XXXX XXXXXXXX. They do not return any calls and refuse to help. This has completely held up my ability to get a new mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I pulled my credit report on XXXX, XXXX XXXX, and I notice there is a charge off on my credit report. for being reported by XXXX, Equifax, and XXXX First, I notice inconsistent information as it relates to the account. The date of last activity on this account, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, Equifax is reporting XX/XX/XXXX, However the Last reported date is reporting as XX/XX/XXXX. This indicates some re-againg or manipulation of the dates which would violate FCRA 15 U.S.C 1681s-2 ( a ) ( 3 ) - ( a ) ( 4 ) which prohibits furnishers from re-aging a debt to extend the reporting period, and falsely representing the date amount or status of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I pulled my credit report on XXXX, XXXX XXXX, and I notice there is a charge off on my credit report. for being reported by XXXX, XXXX, and Experian First, I notice inconsistent information as it relates to the account. The date of last activity on this account, XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, However the Last reported date is reporting as XX/XX/XXXX. This indicates some re-againg or manipulation of the dates which would violate FCRA 15 U.S.C 1681s-2 ( a ) ( 3 ) - ( a ) ( 4 ) which prohibits furnishers from re-aging a debt to extend the reporting period, and falsely representing the date amount or status of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used the snap deposit with my bank BMO. I deposited a check from my employer " XXXX XXXX XXXX, XXXX ''. The check amount is {$2400.00}. After BMO stated my check was accepted, now they are freezing my account and stating the check is fraudulant. I was handed this check personally by the account manager of XXXX XXXX XXXX. Our our department of Security Dispatchers recently transitioned to a new company called XXXX XXXX XXXX, so this check from XXXX XXXX is considered the final check from the company which inclused worked hours, overtime hours worked, and unused vacation time. I have spoken to several people within BMO and now they have resorted to hanging up on me. I also want to share that I will be filing a lawsuit with small claims against the bank as well. They have no right to freeze my assests when regarding a company they and I are very familiar with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I received notice that my account was to closed immediately due to gambling ( activities that violate the terms of service ). I feel they are confusing my account with someone else but no one will talk to me ; I only get auto messages. This card helps me to provide financial help to my family members. I really feel that I am being discriminated against for no apparent reason. If I did something to violate their terms they should provided details if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
On XX/XX/year>, XXXX XXXX took XXXX UNAUTHORIZED amounts out of my banking account for {$69.00} and {$130.00}. I am a XXXX woman on a fixed income. I just moved, while going into my account to pay my rent, I noticed the charges right away. I couldn't believe this was happening because that was part of my rent money! I tried contacting XXXX XXXX time and time again and have no luck reaching anyone to resolve and get my money back. I have been told by their customer service team to contact the chat services over and over again, and have not gotten anywhere with XXXX XXXX regarding returning my money that was an UNAUTHORIZED transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX Original creditor : XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} Account number XXXX Date opened XX/XX/XXXX I C SYSTEM Original creditor : XXXX XXXX XXXX XXXX XXXXalance {$3200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$780.00} Account number XXXX Date opened XX/XX/XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$310.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$140.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$780.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} Account number XXXX Date opened XX/XX/XXXX Experian**** XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$3200.00} Account number XXXX Date opened XX/XX/XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$310.00} Account number XXXX Date opened XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX I am writing to dispute multiple inaccuracies in my credit report as provided by your company, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The disputed accounts are listed below : Account 1 : Account Number ending in 5400 Account 2 : Account Number ending in 3499 Disputed Items and Violations 1. Inaccurate Future Reporting Date Both accounts show a Date Reported of XX/XX/year>. Reporting a future date is inaccurate and violates : 607 ( b ) Requirement to maintain maximum possible accuracy.

2. Missing Date of Last Activity The Date of Last Activity is not reported for either account. This field is critical for determining when the accounts should fall off my credit report. This omission violates : 605 ( a ) ( 4 ) Derogatory accounts can only remain for 7 years from the date of first delinquency.

3. Charge-Off with Incorrect Balance Both accounts are listed as CHARGE-OFF but still report a remaining balance of {$490.00}. If the debts have been transferred, settled, or sold, the balance must be updated accurately per : 623 ( a ) ( 2 ) Furnishers must correct or update incomplete or inaccurate information.

4. Prolonged Reinvestigation Process My credit report states Reinvestigation in Progress for these accounts. If this dispute process has exceeded 30 days, this violates : 611 ( a ) ( 1 ) Credit bureaus must resolve disputes within 30 days.

5. Missing Creditor Information The Original Creditor Name field is blank on these accounts, preventing me from validating or disputing the accuracy of the debt. This violates : 609 ( a ) ( 1 ) Right to access the source of the information.

Requested Action Under my rights outlined in the FCRA, I am requesting the following : 1. Conduct a thorough investigation of these inaccuracies.

2. Correct or delete the disputed information from my credit report if it can not be verified.

3. Provide me with the updated results of your investigation, including the original source of the information. 

If you are unable to verify the accuracy of these accounts, I request the immediate deletion of the accounts in question, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX XXXX OF XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief