vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: SC

Complaint narrative:
I am writing to formally request the removal of hard inquiries from my credit report that were made without my consent or for permissible purposes as outlined in the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, a hard inquiry may only beconducted with the consumer 's permission for a specific purpose, such as applying for credit. As I have not authorized thmese inquiries, I respectfully urge you to investigate this matter and expedite the removal of the fraudulent inquiries from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX the homeowner of XXXX XXXX XXXX ft myers fl XXXX not XXXX XXXX XXXX XXXX past and present mistakes on complaints. My loan number is # XXXX. My complaint is the my mortgage company hasnt never offered me a forbearance on this occasion they went ahead and filed a foreclosure without trying to help me. I was never informed that they had even filed a foreclosure I had to find out through a local attorney because he mailed me a letter in my mail to offer his assistance. Ever since I bought the home I have always felt threatened that they want to take it from me. I took screenshots of the messages online account were they use to give me the right to pay my mortgage now XXXX cant call or mail a money order or mail them a cashiers check or they send it back so. Now I ask them in message if I could do the forbearance they said yes only to call and when I did there rude costumer service representative denied me the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: MD

Complaint narrative:
Recently, I investigated my credit report and found several items 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 Account Number : XXXX Please remove this from my credit report. 

XXXX  XXXX  Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

Equifax : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX  Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report XXXX XXXX XXXX Account XXXX XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: MD

Complaint narrative:
Recently, I investigated my credit report and found several items 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 Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX  Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX  Account Number : XXXX Please remove this from my credit report Comenitycap/Alphcos Account Number : XXXX Please remove this from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

Experian : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX  Account Number : XXXX Please remove this from my credit report XXXX  Account Number : XXXX Please remove this from my credit report XXXX XXXX XXXX Account XXXX XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this 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 2024-11-13 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 am asking for your assistance regarding the incorrect account on my credit report. This issue has hurt my reputation as a customer, and I need your support. I want these accounts removed because they are being reported inaccurately and have a negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
On XX/XX/year>, I requested incorrect names " Also Known As '' be removed, incorrect addresses be removed, as well as, my employer be corrected.

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 2024-11-13 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: CA

Complaint narrative:
i am a victim of identity theft someone has been using my personal information to obtain services and goods using my identity, please remove all fraudulant address that are currently reporting on 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 2024-11-13 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: MD

Complaint narrative:
Recently, I investigated my credit report and found several items 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 : TransUnion : XXXX Account XXXX : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number XXXX XXXXXXXX Please remove this from my credit report XXXXs Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

US Dept of EduXXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove this from my credit report Comenitycap/Alphcos Account Number : XXXX Please remove this from my credit report XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

US Dept of EduXXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report XXXX XXXX XXXX Account XXXX XXXX Please remove this from my credit report. 

US Dept of EduXXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this 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 non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-13 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: CA

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: NJ

Complaint narrative:
What happened : I am filing this complaint against Juno ( CapitalJ Inc. ), XXXX XXXX, and XXXXXXXX XXXX XXXX  XXXX regarding the loss of access to my funds ( several thousands of dollars ) and their collective failure to properly handle, track, and return my deposits. 

Timeline of Events : XX/XX/XXXX : Opened a Online Checking Account with XXXXXXXX XXXX XXXX XXXXXXXX through Juno as per the a Direct Deposit Agreement was in my name and only supposed to accessible be me. 
XX/XX/XXXX : Juno moved my account to be a cash account managed by XXXX XXXX without my explicit consent and failed to properly inform me what would happen to my funds held at XXXXXXXX XXXX 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Unaware, I continued to have regular direct deposits to sent XXXXXXXX XXXX XXXX XXXXXXXX 's routing number ( XXXX ) XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXXXX suddenly froze all transactions, including card payments, ACH transfers, and wire transfers XX/XX/XXXXXXXX XXXX XXXX XXXX Learned through court proceedings that XXXX claimed they couldn't access XXXX XXXX dashboard due to XXXX  filing for Bankruptcy. 
XX/XX/XXXX : Juno announced they were switching to a new banking partner ( XXXX ), leaving previous accounts frozen XX/XX/XXXXXXXX XXXX  : Received data breach notification from XXXXXXXX XXXX XXXX XXXX about a cybersecurity incident leaking my personal information on the dark web XX/XX/XXXXXXXX XXXX XXXX XXXX reconciliation process incorrectly reported my balance as {$0.00} and left me with my funds left missing and stolen. Upon calling the hotline they setup for the reconciliation payment, I was told by a person reading from a script that XXXX doesn't hold my money and doesn't know where it is. 

Key Issues : 1. My funds were marketed by Juno as FDIC-insured deposits, yet no institution is taking responsibility for their return 2. XXXXXXXX XXXX XXXX XXXXXXXX issued my account/routing numbers but now claims they don't have my funds and will not provide information to help me locate them 3. The reconciliation process has failed to properly account for direct deposits made to 4. XXXXXXXX XXXX routing number and doesnt match the XXXX ledger balance which has my correct balance. 
5. No clear explanation has been provided about where my money was transferred or who currently holds it Actions I've Taken : 1. Filed appeal through XXXX 's reconciliation website 2. Observed bankruptcy court proceedings for months. 
3. Maintained records of deposits and account statements from Juno. 
4. Attempted to work with all institutions to locate and recover my funds only to me ping ponged around back and forth between different companies pointing fingers at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-13 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-13 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im 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 response to consumer: Closed with non-monetary relief