vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a SAVE application, to date it has yet to be processed. During this time MOHELA has been reporting interest to the credit bureaus although there is 0 % interest accrued while in administrative forbearance. I contacted the company via telephone on XX/XX/XXXX after being notified by my credit monitoring company that there was an increase in my loan balance due to the interest being applied. The representative apologized and said she'd have to transfer me to the Department that handles credit corrections. I was never able to speak with a representative and the issue was never fixed. I can still see the interest reported on my credit report. 

I strongly believe MOHELA is purposely dragging its feet on processing SAVE applications so they can charge additional interest to accounts. Four months has already passed and there has been no progress on my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Certegy Holdings, LLC
State: CA

Complaint narrative:
I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, Certegy, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: CORELOGIC INC
State: CA

Complaint narrative:
I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, CoreLogic, XXXX, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.

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 2024-02-05 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-05 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: 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 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 2024-02-05 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 the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Clarity Services, XXXX XXXX, XXXX  others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: 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 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 2024-02-05 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 the victim of identity theft and Equifax, XXXX, and XXXX as well as secondary credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and  others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: Winona Holdings, Inc.
State: CA

Complaint narrative:
I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CheckCare, XXXX XXXX XXXX others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
I took out an advance a few months ago and paid it off by the EXACT dollar amount that they billed me for. Then they tried to bill me for more interest and their collection attempts haven't stopped. I also asked them for the calculations of how they are computing this additional interest, but they have not provided that. I believe they are treating this line of credit as a mortgage, since they said I was supposed to call to get a pay off amount before paying down the line fully. This additional interest was not in the original line of credit agreement that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
I have attached a FTC Identity Theft Report outlining fraudulent accounts, that are currently listed on my credit report and file. XXXX XXXX with account number XXXX for the amount of {$12000.00}, and account number XXXX for {$27000.00} are fraudulent and are not my accounts. I contacted XXXX as well regarding this issue. I demand these transactions that were a result of identity theft be blocked and removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination. This request was not made in error I am competent in making this request. I did not receive any goods, services, or money in any of these transactions. 

Thank you for your prompt assistance.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This is my 2nd complaint through CFPB because it is my " Right '' of the land to receive what the Congress mandated federal law says I have a right to. My previous complaint stated that I had not been properly notified by BOTH XXXX XXXX XXXX  XXXX and Select Profile Mortgage Servicing Co. ( SPS, Inc ) of the transferring of my mortgage service according to federal law. I emphasized in my complaint that I wish to receive mailed expedited letters from both companies ; only XXXX XXXX 's mailed letter to my estranged husband finally reached me by being hand carried to me by my estranged husband but nevertheless, I have XXXX XXXX 's letter iin my personal file. It appears that CFPB did not notify SPS, Inc of my complaint and carry out and enforce the federal law that applies to SPS, Inc, as well. After receiving online information of SPS, Inc pertaining to a class action suit, reviews ratings of " 1 '' out of 10 and the fact that I have not receiving a mailed expedited letter of confirmation that the company is my new mortgage servicing company that was due by XX/XX/year> are all red flags that appears to me as a shady company that I need absolute proof in detail of the transferred mortgage account, also to know if the escrow account is in order and not via phone or email but rather a document that I can file. Additional info I received online for SPS, Inc. follows : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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 the victim of identity theft and Equifax, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, CSC Credit Services, XXXX XXXX, XXXX, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: NC

Complaint narrative:
XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. 
So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 
They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given right 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.

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 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, Inc.
State: NY

Complaint narrative:
XXXX, XXXX ; XXXX, XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX is knowingly and willingly committed aggravated identity theft and these individuals have stolen my identity to fraudulently establish accounts and then sell those accounts to Debt Collector : SUMMIT ACCOUNT RESOLUTION WHO HAS TARNISHED MY PERFECT CREDIT SCORE OF XXXX BY A XXXX DEDUCTION now XXXX FROM XXXX. I have never done business with XXXX, XXXX who is fraudulently claiming to be an original creditor. These entities and individuals are stealing my identity to fraudulently create a {$300.00} debt that has damaged my credit and caused me commercial injury and harm. I am filing a federal criminal complaint as well as a federal civil complaint against ALL of the individual 's names above. These companies XXXX, XXXX, AND SUMMIT ACCOUNT RESOLUTION are committing FRAUD and aggravated identity theft as well as conspiracy. I have prepared and will file a Federal Criminal Complaint against all executives of XXXX, XXXX for Conspiracy, Identity Theft and Fraud. I will also be filing a Federal Civil Complaint. I have filed complaints with the FTC and received an Identity Theft Report. I have also filed an Identity Theft Affidavit with the IRS. I will also be filing a criminal complaint with th Sherrif Office where XXXX, XXXX is located in XXXX Florida as well as where SUMMIT ACCOUNT RESOLUTION is located in Minnesota.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Square allowed their client XXXX XXXX XXXX to break several of their rules and charge my XXXX credit card as a 3rd party payment facilitator for {$3500.00} on XX/XX/23. They also collected over {$100.00} in cash from me. Clients are not allowed to charge a card for something they aren't personally selling. I also was never offered a receipt and the transaction didn't even say what the transaction was for. I was never asked to sign for the transaction and I later found out the merchant forged my signature! The problem was the 3rd party sold me a horse that had falsified veterinary reports. The horse was delivered but I immediately noticed something wasn't right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a dispute with my credit card company but because Square is backing up the lies of their client such as submitting evidence that is not from the merchant but from the 3rd party that has been proven to have committed fraud ( proven by the vet the seller said the records were from but had never examined the horse and proven from my vet ) my credit card company XXXX XXXX XXXX had denied my rightful refund. The merchant also broke the rules of Square by refusing to have any contact with me to try to resolve the dispute yet Square is still defending them. I recently found out Square 's client has a disturbing criminal record and has been sued many times as well in civil cases. The 3rd party is currently being sued by creditors and the merchant and 3rd party have even been sued together! I informed Square both through certified letter and online that their client broke many of their rules and forged my signature but they refuse to talk to me. I want my {$3500.00} back because I was purchasing a horse that was supposed to have vet records verifying it was sound and rideable. Instead I got a useless horse that I'm now stuck caring for the rest of its life and tons of vet bills including the cost of multiple surgeries. The merchant and 3rd party are con artists and scammers. I was fraudulently induced into a purchase and never received what I paid for. If the 3rd party actually had legitimate vet records I wouldn't be so upset but their lies resulted in a horse suffering needlessly just so these people could get my money. 
Note : A friend of mine is the one who found the horse being advertised on XXXX which I found out later goes against XXXX 's rules.

Company response to consumer: Closed with explanation