vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-17 00:00:00
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.
State: NJ

Complaint narrative:
Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus XXXX, EQUIFAX AND XXXX 1. XXXX / XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus XXXX, XXXX AND EXPERIAN XXXX. XXXX / XXXX credit 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 explanation
Consumer complaint received 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-17 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: FL

Complaint narrative:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, the consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, XXXX XXXX XXXX contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : XXXXXXXX XXXX XXXX XXXX : XXXX address : XXXX XXXX XXXX XXXX, ct 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 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. It has come to my attention that certain fraudulent accounts are still present on my credit report, despite the fact that other credit bureaus have successfully removed these accounts following proper verification of the fraud. 
Below are the details of the fraudulent accounts in question : XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
I have already reported these fraudulent accounts to the respective creditors and have provided all necessary documentation to verify the fraudulent nature of these accounts. Other credit bureaus have acknowledged the fraudulent activity and promptly removed these accounts from my credit report.

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 2023-11-17 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: CA

Complaint narrative:
misspeled names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX they did not provide me with original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as | requested. I do have a contract with XXXX XXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX XXXX they did not provide me with original contract as i requested. I do not have a contract with XXXX XXXX XXXX  they did not provide me with original contract as | requested. I do not have a contract XXXX XXXX they did not provide me with original contract as | requested. | do not have a contract with XXXX they did not provide me with the original contract as | requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC
State: NV

Complaint narrative:
I applied for a Forbearance with Flagstar Mortgage. My husband passed away and he was the primary income source and applicant on the mortgage. Now that my husband is died I no longer can afford the mortgage. I only get a small social security retirement payment and its not enough to pay the mortgage. I listed the house for sale and simply asking for a forbearance until I sell the house 4-6 months. The mortgage company declined my request. How heartless can they be not to provide a much needed forbearance due to my husbands death. I will never work with Flagstar Mortgage again.

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 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2023-11-17 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: PA

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 2023-11-17 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: LCI Acquisition Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 LCI Consumer Dispute Department XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Dispute of Failure to Provide a Consumer Report Dear LCI Consumer Dispute Department , I hope this letter finds you well. I am writing to dispute the failure of LCI to provide me with a consumer report or all documentation you have pertaining to me, as required by law. 

As a consumer, I have the right to access and review my consumer report in order to ensure its accuracy and to address any potential errors. However, despite my request for a copy of my consumer report or all documentation you have pertaining to me, LCI has failed to fulfill its legal obligation to provide me with this information.

I kindly request that LCI immediately rectify this situation by providing me with a complete and accurate copy of my consumer report. This report should include all the information that LCI maintains about me, as well as any other relevant data that may impact my creditworthiness.

I would like to remind LCI that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies provide consumers with a free copy of their consumer report upon request. LCI 's failure to comply with this legal requirement is a violation of my rights as a consumer.

I trust that LCI will take this matter seriously and address it promptly. I expect a written response within the 30-day timeframe mandated by the FCRA, confirming that you have provided me with a complete and accurate copy of any records you have containing my information.

Furthermore, I request that LCI provide me with a detailed explanation for the failure to provide me copies of any documents with my name and information and any steps taken to rectify this issue. I also request that you provide me with any documentation or records related to my request for a consumer report.

Please be advised that I am prepared to take further action, including seeking legal remedies, if LCI fails to rectify this situation appropriately. I hope it does not come to that, as I believe in the importance of transparency and accountability in the credit reporting process. 

Thank you for your attention to this matter. I look forward to your prompt response and the provision of my consumer report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: PA

Complaint narrative:
After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile for my account that was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: PA

Complaint narrative:
After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile for my account that was never late.

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 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute and request the removal of a dismissed fraudulent bankruptcy entry on my credit report. After diligent investigation and legal proceedings, it has been confirmed that the bankruptcy case was dismissed, and there is no basis for the inclusion of this information in my credit file. 
Below are the details related to the dismissed bankruptcy : Bankruptcy XXXX  XXXX- dismissed Reference # : XXXX PLEASE DELETE!!!! 
It is imperative that this inaccurate information is promptly removed from my credit report to ensure its accuracy and to reflect my true creditworthiness. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed information within 30 days of receiving a consumer dispute. I kindly request that you expedite the investigation process and promptly remove the dismissed bankruptcy entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
The purpose of this communication is to file a complaint against Chase Bank for stealing and withholding my funds that was deposited into a new business account. 

On XX/XX/2023 my business, XXXX XXXX XXXX XXXX XXXX sent a wire to JP Morgan Chase to establish a new business bank account for investments. I, XXXX XXXX, CEO of XXXX, went in person to my bank, XXXX XXXX to do the wire around XXXX on XX/XX/2023. The wire was XXXX XXXX dollars. 
My Bank told me that it should take 1-2 hours for the wire to be in the account. 

When I reviewed the Chase business account around XXXX that night the wire had not made it into the account yet. I called the fraud line and told them I had some concerns about the account since the wire was not in my bank and asked that the wire be returned to my bank and freeze the account. The fraud department told me that that would not be an issue since the wire was still pending, they could easily return it to my bank the next day. 

The next day I contacted XXXX XXXX about a returned wire, and they indicated that they did not receive a wire bank from Chase. I then contacted Chase and was transferred multiple times regarding the status of my wire. I was then given a call by business banker and was told that the wire would be returned to XXXX XXXX on Tuesday XX/XX/2023. 

On Monday, XX/XX/2023 when I went to log online to the JP Morgan Chase account on Monday I was locked out of my account. I was then given a call by the business banker saying that Chase had decided to close out the relationship and they will be mailing a check back to me. 

They could not give me any information on what was going on and why they could not return the funds to my originating bank via wire. As of today, XX/XX/2023 I received a call from Chase telling me that they will be holding my funds until the end of the month. They will be conducting an investigation on the source of my funds and will mail my funds at the end of the month. 

None of this makes any sense but speaking to a representative from the XXXX XXXX XXXX, they explained that they have received numerous complaints about Chase Holding Deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/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 2023-11-17 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: DC

Complaint narrative:
I did a recent check on my credit report, and I found out that Experian has my personal information which is my address wrong. 

I need for them to address this matter. Correct my address.

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 2023-11-17 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, consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, XXXX XXXX  XXXX contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : XXXX Account XXXX account : XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation