vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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 pulled a copy of my credit report and noticed a fraudulent account. 



XXXX XXXXXXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX. | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
I pulled a copy of my credit report and noticed a fraudulent account. 



XXXX XXXXXXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX. | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX  | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, I was a 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 non-monetary relief
Consumer complaint received 2024-03-10 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: NY

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

XXXX XXXX XXXX  date of inquiry XX/XX/2022. 
XXXX XXXX  XXXX date of inquiry XXXX. 
XXXX  date of inquiry XX/XX/2022. 
XXXX XXXX XXXX XXXX inquiry XX/XX/2022. 
XXXX date of inquiry XX/XX/2022. 

The list above are companies that have been listed for inquiries in my credit report. I have not authorized any of the inquiries made by these companies.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
Mr. Cooper experienced a data breach in late 2023. As a result, they suspended the ability to schedule payments. During this time, they had a notice that clearly stated that late payments would not incur penalties. 

Due to their website issues, the payment I scheduled was never drafted, and I had to schedule another payment. Despite Mr. Cooper 's promise, I was charged a late fee, and, worse, my otherwise-perfect credit history was tarnished with a late payment. This is causing me undue hardship as I am currently trying to apply for loans, and I have a very recent 30 day late which is making me appear less credit worthy. 

Mr. Cooper should honor their promise and fix my credit report. The late fee shouldn't have been charged either, but the credit report issue is causing me hardship. 

I have contacted Mr. Cooper about this directly and not received a response. I have disputed this late payment with XXXX and XXXX, but Mr. Cooper has verified the late payment as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
I paid the presentment and I requested the payoff letter and I never received the payoff letter and the vehicle was illegally repossessed the vehicle.This is XXXX and I request they validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
o The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My student loan shows a period of delinquency when I was actually in an XXXX repayment plan o Im the victim of XXXX XXXX  and I dont recognize one or more of the accounts on my report. 


have attached a copy of my report with the accounts in question circled. ]

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have contacted bridgecrest numerous times prior to the due date of my car payment to have my monthly payment pushed to the end of the loan. I advised my father was sick and I was behind in taxes. They refused to file the request till my payment was past due on the XXXX of XXXX. When I called in XXXX they advised it has to be close to 30 days past due to file. Contacted in XXXX and at this time my XXXX in XXXX, again refused to submit request until after the XXXX in XXXX. Called at this time and advised it was the XXXX, and called again in the XXXX and they finally sent the request but advise will report my XXXX payment deliquent which is not due till the XXXX. Advised I would like to request both month pushed as I am paying funeral cost as my XXXX passed  on the XXXX and advised this can not happen till the XXXX at which time my XXXX will report to the credit bureau as delinquent. I feel this is an inappopriate tactic used on consumers especially those who have made payment on time. This is blackmail or strong arming the consumer who is attempting to stay in good standings. They never sent a receipt of filing the request and never provider references as if the conversations will be erased. They never approved or declined the request or informed consumer. I had no information if accepted. They pushed this to my credit as if not paid but all payment were made up to date by the end of XXXX as it was unclear if the request was accepted. They failed to communicate the process or if accepted or declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
I qualified 100 % absolutely for the XXXX. Followed all requirements specifically as required and submitted everything on time and as required. I have followed up with calls to MOHELA for over XXXX years now and they give me the run around EVERY TIME, saying things like- we are working to process it, should only be a few weeks, need to submit another form ( which I did ), many many calls. They dropped the ball on my rightful forgiveness under XXXX!!! Help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NC

Complaint narrative:
I have attached documentation of XXXX stating they did an investigation and deleted the collection XXXX XXXX XXXX items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
My XXXX XXXX XXXX  account was closed XX/XX/XXXX date last paid was XX/XX/XXXX however my date last active has been continuously updating which is extended my statue of limitations they recently updated the account on XX/XX/XXXX when the last payment was XX/XX/XXXX this is clearly inaccurate information and a violation of my fcra consumer rights

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On my report it states that I had a XXXX account which was abused. This was identity theft which I reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: NC

Complaint narrative:
Experian is reporting inaccurate information on my credit file, I called to try and clear it up and the agent got really rude with me and wouldnt transfer me to her supervisor. I have unauthorized inquiries and late payments that should'nt be on my credit file. 

The phone call with the rude employee happened XX/XX/2024 AROUND XXXX XXXX She said her name was XXXX and the number I called that got me to her was 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 2024-03-10 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: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
In XXXX XXXX XXXX I called Cavalry Portfolio Services to discuss a 1099-C ( discharge of debt ) form that was accepted by the IRS. Cavalry informed me that they have no knowledge of the 1099-C form and also that they are no longer responsible for the debt. 
I asked them to confirm that if i wanted to settle the debt with them, would they be able to accept payment and close out the debt, they said NO, I would no longer be able to settle debt with them because this debt has been transferred to another debt collection agency. 
I asked them why are they still reporting against my credit if they are no longer responsible for my account and they said they couldn't discuss the debt on my account because they no longer handle the account. 

I've never received a letter, email or phone call from the new creditor XXXX XXXX XXXX to this day and recently I recognized a credit inquiry from XXXX XXXX XXXX that I did not authorize. This violates 15 USC Code 6802 Obligations with respect to disclosure of personal information states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 

I emailed XXXX XXXX XXXX on XX/XX/XXXX and still have received no form of communication from them. Per FCRA 611 ( a ) ( 2 ) ( b ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 

I disputed the debt reported by Cavalry Portfolio Services to all 3 credit bureaus ( XXXX, XXXX, XXXX ) and Cavalry responded to all 3 bureaus validating the debt as valid and correct. The same debt that they will talk to me about over the phone or accept payment because they no longer " handle the account ''. 

Cavalry Portfolio Solutions XXXX XXXX XXXX XXXX are not only deceiving me but also the credit bureaus and directly destroying my credit score by reporting false negative debt. The negative information associated with this invalid debt is damaging my credit score and ability to obtain financing.

Cavalry Portfolio Solutions is actively reporting negative debt that they are no longer the collectors of. XXXX XXXX XXXX has not responded to my validation letter and is not the collection agency reporting the debt. I have 1 debt and am being tossed back and forth between 2 collectors. 

I never signed any agreement or promise to pay Cavalry Portfolio Solutions or XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX. Someone using the name " XXXX '' attempted to make several charges, but my debit card was frozen. On XX/XX/XXXX that someone stole {$14.00} and {$3.00}. 

I reported this to the card issuer and they told me I'd have to wait to see ( with no provisional credit ). 

In early XX/XX/XXXX I am aggravated that they did nothing to help me recover the money. They seem be in collaboration with the online criminals and making themselves and the banks very wealthy in their process. They are going to keep my money so basically they steal card-holders ' money and consumers have absolutely no recourse. 

I expect the money returned that Revolut stole in XX/XX/XXXX ( {$250.00} ) plus the money Revolut stole in XX/XX/XXXX ( {$18.00} ). Total as of today {$270.00} put back into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: MN

Complaint narrative:
My fianc and I are looking into a lawsuit against XXXX XXXX XXXX XXXX From the very beginning XXXX XXXX XXXX XXXX XXXX XXXX we have been trying to cancel with XXXX XXXX XXXX XXXX after being deceptively signed up for a contract and credit card. They would not let us cancel even when we were within our contract guidelines so we hired a company called XXXX XXXX XXXX and paid them {$4100.00} for them to cancel our contract and they told us to completely stop all contact with XXXX and any collection agencys over 2 years ago. Since then, XXXX has sold debt to a company called Meridian ( a debt collector ). After finding out that our account is in collections we let XXXX know and they are offering a service for an additional {$1500.00} that includes lawyers services XXXX XXXX XXXX XXXX XXXX )! After doing more research into this, we are finding that these services are all a scam, and that companies similar to XXXX  are suing XXXX XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXX for misleading consumers into thinking that it is okay to just stop paying your monthly and yearly payments. Something is seriously wrong here and this has turned into a nightmare. We have 2 different collections on our credit reports but both from the same collector. One from XXXX XXXX XXXX for {$1800.00} and another from XXXX XXXX XXXX XXXX for {$18000.00}. We have been in contact with both and they are saying they can not help us because they do not do business with XXXX XXXX XXXX XXXX because they did some very shady things.. The debt collector has been stalling for 2 weeks now and is not able to help us at all. If anyone has any advice on what we should do it would be amazing. We have been back in contact with XXXX XXXX XXXX XXXX and are being told to talk to their lawyers due to the fact the XXXX XXXX XXXX XXXX no longer does business with with XXXX XXXX XXXX XXXX. This is a MAJOR SCAM AND FRAUDULENT ACTIVITY IS HAPPENING!! We are at {$26000.00} in DAMAGES thus far.

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 2024-03-10 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: GA

Complaint narrative:
Despite providing evidence of identity theft to creditors and the credit bureaus multiple times per year since XXXX, there is persistent incorrect information on my report. From bureau to bureau the amount of debt varies, payment history reporting varies, account status and comments vary. This has caused there to be a significant difference in the scores for my profile at XXXX, Equifax and XXXX and has prevented me from securing a home loan among other types of credit over the years. I have called the creditors directly, mailed letters to the creditors and the credit bureaus and have filed reports with my local police station and the FTC. No avail. I want to stop being punished because the bureaus have failed at validating debts properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: IN

Complaint narrative:
XXXX XXXX experienced a data breach in late XXXX. As a result, they suspended the ability to schedule payments. During this time, they had a notice that clearly stated that late payments would not incur penalties. 

Due to their website issues, the payment I scheduled was never drafted, and I had to schedule another payment. Despite XXXX XXXX 's promise, I was charged a late fee, and, worse, my otherwise-perfect credit history was tarnished with a late payment. This is causing me undue hardship as I am currently trying to apply for loans, and I have a very recent XXXX  day late which is making me appear less credit worthy. 

XXXX XXXX should honor their promise and fix my credit report. The late fee shouldn't have been charged either, but the credit report issue is causing me hardship. 

I have contacted XXXX XXXX about this directly and not received a response. I have disputed this late payment with TransUnion and XXXX, but XXXX XXXX has verified the late payment as valid.

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 2024-03-10 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:
My XXXX XXXX was stolen in XXXX and part of XXXX 's report. XXXX refused to acknowledge card was stolen. Currently the Credit Report reflects XXXX Card account as term Current / Terms Met or ND ( No data for this period ) for XXXX and XXXX. This is incorrect. I assume this is a game by XXXX to keep 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 non-monetary relief