vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Dispute of Unauthorized Accounts Identity Theft Dear Transunion, I am writing to formally dispute two XXXX  XXXX accounts on my credit report that I believe are the result of identity theft. The account numbers are : 1. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) 2. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) Both accounts were opened without my authorization in XXXX. I have contacted both XXXX  XXXX and the credit agencies Transunion, and I filed a Fraudulent Account Statement to dispute these charges. 

The details of the accounts are as follows : First Account : Charged-off on XX/XX/XXXX Reported in good standing on XX/XX/XXXXXXXX  Second Account : Charged-off on XX/XX/XXXXXXXX  Reported in good standing on XX/XX/XXXXXXXX  I discovered I was a victim of identity theft while preparing my taxes, which has made this situation even more distressing. I have since locked my accounts and found several unauthorized items on my credit report, including the aforementioned XXXX XXXX accounts. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), if you can not validate these debts, I request that you instruct all credit reporting agencies to delete these entries from my report. I have included a copy of my government-issued driver 's license, a utility bill, and the IRS Identity Theft Form to support my claim. 

Thank you for your attention to this matter. I hope for a swift resolution so I can move forward with my life. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year>, I placed a check in the XXXX XXXX XXXX through mail boxes in XXXX, Colorado between XXXX and XXXX XXXX. It was made out to XXXX XXXX XXXX, # XXXX in the amount of {$4600.00}. The box was broken into, many checks were stolen, washed and cashed. Mine was among them and made out to someone named, XXXX XXXX and cashed XXXX XXXX XXXX, NY, on XX/XX/year>. I discovered this on XX/XX/XXXX when I received an email from my HOA stating that I was being charged late fees for non payment. I immediately called my bank, BMO and XXXX XXXX XXXX. I went to BMO to file whatever possible for an investigation and have done follow up numerous times without any response at all. I filed a report with XXXX XXXX, report # XXXX, again nothing. I later spoke with XXXX XXXX - investigator, who told me the case had been closed because it was not proven the theft occurred in XXXX XXXX. I called USPS and spoke with XXXX XXXX, giving her all the information. She responded that it was most likely not an internal theft and that it would need to contact XXXX. I was unable to reach anyone via phone so completed the form on the website. That was a few weeks ago, and have not heard anything from anyone. 
Im still out {$4600.00}, which is a problem for me. 
I have followed up with my local BMO branch regularly and am told that they administrative office said the report has errors, that it was submitted to the incorrect department, each time some ridiculous excuse. My local branch has been very supportive but has no authority to help further. I do not know where to go for help that is why I'm contacting you. Please help me .....

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 2024-09-18 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.
State: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-18 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: LA

Complaint narrative:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
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.

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 2024-09-18 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.
State: SC

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute and Request for Deletion of Charge-Offs, Collections, and Late Payments [ Your Report Confirmation Number or Date ] Dear Experian, I am writing to formally dispute certain information on my credit report under the Fair Credit Reporting Act ( FCRA ) and request the deletion of the following charge-off, collection, and late payment accounts. These accounts contain inaccurate or outdated information, and I request their removal to accurately reflect my credit history. 

1. XXXX XXXX ( Account ending in XXXX ) Balance : {$540.00} Status : Charged-off Dispute Reason : This debt has been sold to a collection agency. The charge-off status should be deleted or updated to show a {$0.00} balance. Additionally, I request the removal of the associated late payments on this account. 

2. XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Balance : {$580.00} Status : Charged-off Dispute Reason : This debt was sold to a collection agency, and the charge-off status should be deleted from my report. I also request the removal of the late payment history on this account. 

3. XXXX  ( Account ending in XXXX ) Balance : {$3700.00} Status : Charged-off Dispute Reason : This account was sold to a third-party debt buyer, and the charge-off and all associated late payments must be removed. 

Legal Basis for Deletion Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : The FCRA grants me the right to dispute inaccurate, outdated, or unverifiable information. Since these debts have been sold, the original creditors no longer have the right to report them as charged-off or to include late payment histories. I request that all late payments and charge-offs be deleted from my report. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) : I also invoke my rights under FDCPA Section 1692c, which prohibits communication through any medium, including credit reporting. As these debts have been sold, the original creditors and collection agencies must cease reporting them on my credit file. 

Cease and Desist Request I request that Experian cease any communication regarding these debts through my credit report. Please ensure the deletion of the charge-offs, collections, and late payments from my credit file. 

Please confirm in writing once these changes have been made. If you need further information, I can be reached at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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 2024-09-18 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.
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX, Transunion, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well.Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1400.00} and a status of Open with the last payment showing XX/XX/XXXX, Transunion is currently showing a balance of {$1500.00} and an original balance of {$1500.00} with the limit as {$1400.00} and shows last payment of XX/XX/XXXX and is reporting XXXX late payments ( 30 days late XXXX XXXX  30 days late XX/XX/XXXX, and 60 days late XX/XX/XXXX ) with a payment status of 90 days late and a past due amount of {$180.00}. XXXX is reporting a balance of {$1400.00} with a payment status of not more than 2 months behind with one 60 day behind payment in XX/XX/XXXX XXXX would like this inaccurate account immediately removed from the credit reporting agencies immediately or I will request the maximum amount per each violation.

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 2024-09-18 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: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX, and Equifax are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well.Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1400.00} and a status of Open with the last payment showing XX/XX/XXXX, XXXX is currently showing a balance of {$1500.00} and an original balance of {$1500.00} with the limit as {$1400.00} and shows last payment of XX/XX/XXXX and is reporting 3 late payments ( 30 days late XXXX XXXX 30 days late XX/XX/XXXX, and 60 days late XX/XX/XXXX ) with a payment status of 90 days late and a past due amount of {$180.00}. Equifax is reporting a balance of {$1400.00} with a payment status of not more than 2 months behind with one 60 day behind payment in XX/XX/XXXX XXXX would like this inaccurate account immediately removed from the credit reporting agencies immediately or I will request the maximum amount per each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AL

Complaint narrative:
XXXX XXXX XXXX, Experian, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well.Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, Experian currently shows a balance of {$1400.00} and a status of Open with the last payment showing XX/XX/XXXX, XXXX is currently showing a balance of {$1500.00} and an original balance of {$1500.00} with the limit as {$1400.00} and shows last payment of XX/XX/XXXX and is reporting 3 late payments ( 30 days late XXXX XXXX, 30 days late XX/XX/XXXX, and 60 days late XX/XX/XXXX ) with a payment status of 90 days late and a past due amount of {$180.00}. XXXX is reporting a balance of {$1400.00} with a payment status of not more than 2 months behind with one 60 day behind payment in XX/XX/XXXX XXXX would like this inaccurate account immediately removed from the credit reporting agencies immediately or I will request the maximum amount per each violation.

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 2024-09-18 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.
State: MA

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 Original creditor XXXX XXXX {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card TRANSUNION*** Original creditor XXXX XXXX {$2400.00} Account info Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXXXXXX Original creditor XXXX XXXX {$2400.00} Account info Account number XXXX Open/closed Closed XXXX XXXX XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Credit card

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I was the victim of identity theft and fraud and my Discover card was used unauthorized and Discover is not fixing the balance they are reporting I need the balance to be corrected I have the police report as well but the size is too big to upload on CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVERBANK XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( Account Name XXXX ) XXXX XXXX XXXX XXXX  ( Account Name XXXX ) XXXX XXXX XXXX ( Account Name XXXX ) XXXX XXXX XXXX XXXX ( Account Name XXXX )

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 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year> they allowed my account to be breached and sent some 1 to use my checking account that was attached to them to send XXXX  transactions XXXX of {$2000.00} and XXXX of XXXX. I have talked to them just for it to get no where on many times. They refused to give the stolen money back as well as say I sent it bc they have a recipe. There is no IP adress on who sent it or nothing and they also banded my account after I report them here the first time due to there illegal activity also why there is a XXXX XXXX dollars class action lawsuit against them. But I want them to provide up address to who sent it and I want them to give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: UT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( Account Name XXXX ) XXXX XXXX XXXX XXXX  ( Account Name XXXX ) XXXX XXXX XXXX ( Account Name XXXX ) XXXX XXXX XXXX XXXX ( Account Name XXXX )

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