vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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:
I am writing to dispute the presence of fraudulent information on my credit report, specifically in relation to the following accounts : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX I have thoroughly reviewed my credit report and can confirm that these accounts are reporting information that is not associated with me. I have never had any dealings or financial obligations with these entities, and I believe this information has been inaccurately attributed to me. 

I hereby request an immediate investigation into the fraudulent information associated with these accounts. I insist that you take the necessary steps to verify the accuracy of the information and promptly remove the fraudulent entries from my credit file. It is of utmost importance to me that my credit report accurately reflects my financial history and responsibilities. 

Upon resolution of this dispute and the removal of the fraudulent information, I kindly request that you provide me with a corrected copy of my credit report. This corrected report should accurately represent my financial standing and be free from any inaccuracies caused by the presence of these fraudulent accounts. 

I understand the significance of maintaining an accurate credit history and ensuring the security of my personal financial information. I am prepared to assist in any way necessary to expedite the resolution of this matter. Please inform me of the steps and any supporting documentation required to proceed with the investigation and dispute process. 

I anticipate your prompt attention to this matter and a timely resolution of the fraudulent entries on my credit report. Your assistance in rectifying this situation is greatly appreciated. 

Thank you for your cooperation and commitment to maintaining the integrity of my credit history. I look forward to receiving a corrected credit report once the fraudulent information has been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: TN

Complaint narrative:
I am submitting this follow up to formally request the removal of the two remaining fraudulent inquiries from my credit report. It is imperative that these inquiries are expeditiously addressed in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under section 605b. This section obligates Credit Bureaus to REMOVE items listed on an identity theft report, with reference to report number # XXXX. The specific inquiries requiring removal within 15 days are as follows : EXPERIAN : XXXX 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 explanation
Consumer complaint received 2023-11-09 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I paid off the vehicle last year they never sent a title or a lien release. A couple months ago the vehicle was totaled and the person 's insurance company that totaled it will not pay me for the vehicle until I give them the title. I don't have a vehicle to use until I can get this settled. 

2 months ago I contacted them and asked them to send me the lien release and they said that It would be there within 10 days. Two weeks later I called back again they forwarded me to a different department that handled titles which they didn't send me to the first time. Then they claim they sent it again and that it would be there within 10 days. 2 weeks later it didn't come I called again I told them it didn't come they keep claiming they sent it but it's not coming. They've never had a problem sending me a bill but they're having trouble with this. Then I give them a different address in hopes that maybe there's an issue now it's been 2 months and still no papers coming anywhere. I asked them for a tracking number they said they couldn't do it. I asked him to fax it to a tag and title place they said that it's a privacy issue and they can't. I tried everything that I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: TX

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09 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: TX

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX currently have some Fraudulent inquiries appearing on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}

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 2023-11-09 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: TN

Complaint narrative:
Hi, I stayed in a hotel ( XXXX XXXX XXXX XXXX ), XXXX for a night during my travel. Booked in XXXX XXXX for XXXX night XX/XX/ ( checked in at night XXXX ) and checked out XXXXMy charge was right from XXXX However I gave my credit card in front desk for security deposit. Later after XXXX days on XX/XX/, I was charged additionally for XXXX. I tried reaching to hotel and discover credit card to dispute the transaction. Hotel has very poor customer service and mentioned that they dont maintain records. Discover started fraud investigation and they mentioned that it was charged for different person ( " XXXX XXXX '' ) whom I DONT know at all. I tried explaining this several times and whether it was an intended fraud or a mistake from hotel, I lost my XXXX dollars. Discover customer care is very bad and they say since I am the owner of card, I need to pay though it is fraud. I tried escalating the complaint to check with hotel people how can they charge someone's stay without informing me. And I have proofs that I was in different city altogether and my card is with me on the date of transaction XX/XX/. But poor customer service and they are charging me. Please help and let me know if any further details are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: Grain Technology, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
LISTED WITH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OPENED XX/XX/XXXX, FNB OMAHA OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OPENED XX/XX/XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXXXXXX XXXX I OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OPENED XX/XX/XXXX, FNB OMAHA OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP

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 2023-11-09 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: IN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX

Complaint narrative:
In pursuance of 15 U.S. Code 1692e - False or misleading representations : A debt collector is restricted from using any false, deceptive, or misleading representation or tactics in the course of debt collection. This includes making false claims or creating implications, such as falsely stating that an individual is an attorney or that a communication is from a legal representative.

Moreover, in pursuance of 15 U.S. Code 1692
a - Definitions : It's important to note that the term " debt collector '' excludes any individual engaged in serving or attempting to serve legal process on another person as part of the judicial enforcement of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: CA

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I've reached out XXXX times since XX/XX/XXXX about the status of my XXXX application and have not received a response. Meanwhile, I received notification that money will be withdrawn to make a debt payment. 

I reached out the following dates without yet receiving a reply : XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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:
Received a copy of my credit report on XX/XX/2023 and XX/XX/2023 and theirs 's 21 hard inquires on my credit report from XX/XX/2023 - XX/XX/2023 they're 61 soft inquires also on my credit report. 

I have called and written letters to all three-credit reporting Bureaus ; XXXX, XXXX and Transunion which included a copy of my driver 's license and social security 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 2023-11-09 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:
Received a copy of my credit report on XX/XX/2023 and XX/XX/2023 and theirs 's 21 hard inquires on my credit report from XX/XX/2023 - XX/XX/2023 they're 61 soft inquires also on my credit report.

I have called and written letters to all three-credit reporting
Bureaus ; XXXX, Experian and XXXX which included a copy of my driver 's license and social security 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 explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX and I have been a victim of identity theft and fraud and I have incorrect addresses and telephone numbers and names reporting on my credit reports that I will like removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: REGIONS FINANCIAL CORPORATION

Complaint narrative:
Re : Excess Proceeds of Sale for Property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX This petition is in respect of the above subject against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXXRegions Mortgage The above mentioned law firm and Regions Mortgage refused to release the excess procced of my subject property which was foreclosed in the sum of USD {$5200.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The subject property was purchased vide Security Deed dated XXXX XX/XX/XXXX recorded in Deed book XXXX, page XXXX XXXX XXXX, Georgia but foreclosed by Regions Mortgage on XXXX XX/XX/XXXX. 

Request 1. Recovery of USD {$5200.00} due to me from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Payment of interest at 5 % per annum on ( XXXX ) above from XXXX XXXX XXXX date 3. Penalizing the firm of XXXX XXXX XXXXRegions Mortgage for default We thank you for your prompt action on this petition Yours faithfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX, XXXX, GA 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 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELL FARGO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TRIED TO GET THESE COMPANIES TO REMOVE THE XXXX INTEMS FROM MY REPORT, I HAVE SENT DOCUMENTATION OF BEING THE VICTIM OF IDENTITY THEFT

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