vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
I am involved in a debt resolution program with Meadowbrook Legal group. They recently became involved in litigation that resulted in the program being put on hold. messages sent out said that more details would be forthcoming. I received notice that one of my debtors is suing me. I sent Meadowbrook the info and emailed them and haven't received any response. I contacted the debtor to see if we could resolve the issue and they said they couldn't negotiate directly with me until they got a letter from Meadowbrook stating that that was alright. Calls to Meadowbrook result in my being put on hold for hours and being disconnected. Any assistance in this matter would be greatly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-06-14 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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:
Credit inquiries that I did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX i purchased auto from carvana XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX the auto i purchased is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIN : XXXX I have verified the VIN above is indeed the VIN of auto. 
I have picture 's of same. 

the loan document says the auto is XXXX, lists a different VIN than on the auto itself and lists auto as XXXX when indeed it is XXXX. 

attached PDF document ISSUES has complete details of what i briefly describe above. 

I feel like this is some type of Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MD

Complaint narrative:
US Bank added a debt in my name while my husband was XXXX  for 15 months with a XXXX XXXX XXXX. I closed the only account I was aware of when he died XX/XX/XXXX that had a XXXX balance. 

Once he died, the bank refused to provide me with details concerning this debt and have not responded to credit reporting agencies with whom Ive filed disputes with. 

The credit reporting agencies have now begun showing this account delinquent even though it is an open dispute which has dropped my credit score by almost XXXX points. I have NO DEBT and a spotless credit report for over 38 years yet US Bank is trying to fraudulently hold me liable for a debt they refuse to provide info on or resolve. 

My husband was XXXX  for over 15 months before finally losing his life. I didnt know about this account until it erroneously showed up on my credit report in XX/XX/XXXX and have been unable to resolve it with the bank because they wont discuss it with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
A fraudulent a account was opened in my name for internet service

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 2024-06-14 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: IL

Complaint narrative:
I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-06-14 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX ( beauty company ) conned me into a " trial package '' for a certain type of treatment in XXXX of this year ( 2024 ). I was told I was registering for a " payment plan '', and was never once charged, and never once gave the company ( XXXX ) any payment information. I was promised that if I enjoyed the first visit, I would be able to pay the " payment plan '' on a monthly basis. I then did more research, and learned that this company frequently scammed people, and did not want to visit. I cancelled my appointment both on the phone, and via email with multiple representatives. Two months go by, and I notice that my credit score had gone down XXXX points! I soon figured out that XXXX had used a credit card company to open up an account to charge $ XXXX under my credit, in my name. I then urgently contacted every single person and company I needed to, including all 3 credit unions via disputes on their websites and physically sent in evidence that the account was opened fraudelently. I got confirmation from the representative from XXXX that I had intitially spoken to that there was a " miscommunication '' and that she would be alerting XXXX to close my account. I spoke on the phone with XXXX to set up a dispute. I got a letter in the mail the other day stating it could take up to 90 days to resolve the dispuite. XXXX has settled my dispute but only partially, and I am still seeing a {$74.00} balance on the account. I defintiely need to make sure my credit score reflects what it used to be, ASAP. Via the XXXX dispute results, I was directed to create a report here. Please advise! I would love all the help I can get, here. It's been a headache! 

Thank you in advance. 


Best, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-14 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: LA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are several fraudulent inquiries showing on my credit report. I did apply for some cards around this time, but these were not any that I applied for. 
XXXX is fraudulently reporting : XXXX ( XXXX ) on XXXX ; XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX XXXX on XXXX. 
TransUnion is fraudulently reporting : XXXX XXXX on XXXX. I have reported these to the credit card companies as well as to XXXX and TransUnion, and was told on XX/XX/31 to report the fraud through the FTC, which I have done, as well as report here.

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 2024-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
At the beginning of XXXX, I received a collections letter from Aldous and Associates stating that I owed {$220.00} to XXXX. I contacted XXXX to ask about said account. They stated it had been opened XX/XX/XXXX. I did not open this account but at that time was dating someone who exercised at this gym. He had stated that he wanted me to start to go with him to work out, which I did. He informed me that he had " added me to his membership ''. When I asked the gym about this they informed me that it was against policy to allow a member to add a new member onto their account in this fashion and that my boyfriend had opened me my own separate account and was paying the bill until XX/XX/XXXX. XXXX did not notify my via phone call, mail, or email of a balance in my name. When I asked them about closing the account they stated that I was not able to do so until the balance was paid. I contacted my then ex about the situation and he stated that he had opened the account and would not be held responsible for the balance. I first learned of all this from the collection agency. I requested proof of the original contract with my signature. They provided me with information about this situation but I have no record of a contract signed. I didn't open this account, never signed a contract for it, and was not informed of the debt until it was in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I would like to clarify that I, XXXX XXXX, did not authorize any inquiries or applications for credit with Toyota Motor Credit Corporation, nor did I provide consent for the use of my personal information in such a manner to anyone or other party on my behalf. It is concerning to me that my personal information was used without my consent, and I would like to address this matter promptly. Furthermore, I dispute the accuracy of your statement that I initiated an application on XX/XX/XXXX, as I have no record or recollection of such an action. I did not conduct any purported verification process or conversations with your agents regarding this application, and I deny providing any personal information for this purpose. Your inquiry on my credit profile is fraudulent. Please provide me with any documentation that support your assertion that I initiated an application or provided consent for the use of my personal information. Additionally, I request that you cease any further inquiries or use of my personal information without my explicit consent. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character I am requesting proof of authorization submitted by myself to the company Toyota Motor Credit Corporation giving them permission to legally report on my credit profile. Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX, and other applicable laws. From my records, I have not given them permission to do so. They are reporting information to the credit bureaus and public records without my authorization. I've mailed them XX/XX/XXXX requesting this information to be returned within 30 days and have not received any letter via mail as requested back. Under the FRCA, they are required to do so and have not done so. As a result, I am requesting they remove the information provided to them illegally from their records and to companies as it is unauthorized by law. 
I will take further action if necessary to protect my rights and interests in this matter. I look forward to your prompt response and resolution of this dispute. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-14 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: AZ

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: IL

Complaint narrative:
I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

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 2024-06-14 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 respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

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 2024-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
I made multiple payments to XXXX and they were not applied to my account. I called and they said acknowledged the error, but gave no timeframe to correcting it. It still has not been corrected. I am concerned that it has accumulated XXXX dollars of interest over time. 

Payments : XXXX = {$540.00} ( Nothing applied to loans ) XXXX = {$250.00} ( Nothing applied to loans ) XXXX = {$1900.00} ( {$180.00} applied to loans ) XXXX = {$1100.00} ( {$120.00} applied to loans ) XXXX = {$3000.00} ( {$3000.00} applied to loans ) XXXX = {$1000.00} ( Nothing applied to loans )

Company response to consumer: Closed with explanation