vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
XXXX payments in total have been sent to the loan company and have been cashed, however they have not been credited to my account. The payments were sent to the wrong XXXX XXXX XXXX however Ed-Financial claims they have located them but have yet to credit a payment to my account. 

XXXX payments were made to the 'incorrect ' XXXX XXXX XXXX the first payment credited to my account within 5 days. The next four have never been credited to my account. Checks have been cashed. I've provided copies of the cashed checks. I've called 5-10 times and each time I call they provide a different time frame. I've also emailed their customer service team, and the responses say that they can not tell me when the issue will be resolved. In the meantime, I'm continuing to accrue interest on balances already paid. The oldest payment was made 91 days ago and I'm still waiting for the payment to post to my loan account. 

Payment # 1 was made {$230.00} on XX/XX/year>, check was cashed on XX/XX/year> & pymt posted Payment # 2 was made {$230.00} on XX/XX/year>, check cashed on XX/XX/year> - still waiting Payment # 3 was made {$230.00} on XX/XX/year>, check was cashed on XX/XX/year> - still waiting Payment # 4 was made {$500.00} on XX/XX/year> check was cashed on XX/XX/year> - still waiting Payment # 5 was made {$230.00} on XX/XX/year>, check was cashed on XX/XX/year> - still waiting Of course, after confirming the first payment posted, I didn't continue to check the portal, it it was not until I got a phone call from the loan issuer telling me I'm behind several payments that I checked to see NO payments posted since my first one. I promptly sent copies of the cashed checks to the loan servicer and expected it to be handled. 90+ days and I'm still waiting. I've been told by customer service rep 's that the payments have been located and it takes 30-60-90 days for them to post. During each discussion I was given a different time frame. In email responses, they indicate they can't tell me how long it will take. I had to make additional payments to keep my account from going to collections. I'm still waiting for credit to my account and still accruing interest. This is extremely frustrating, when all I'm trying to do is be the honest person and pay down my debt.

I'm getting nowhere contacting the loan servicing company Ed-Financial and I've contacted them A LOT.

I also contacted the issuer where the payments were sent and cashed ( XXXX ) and they were not able to help me at all they told me to file a complaint with the Student loan.gov, which I did

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors
State: NV

Complaint narrative:
National Business Factors has submitted a negative credit report because of these two accounts for years. I owed {$1000.00} on one account and I believe {$690.00} on another account. I began paying XXXX XXXX monthly on those accounts XX/XX/year> and they had not credited my account or changed the status of my credit report. They still show reporting to XXXX in the amount of {$1000.00} and now {$590.00}. They have credited {$100.00} dollars. I disputed with the company with proof of payment and to XXXX with proof of payment on these accounts and NBF will still not change my credit. This has cost me a lot of money from interest rates as it shows a high impact on my credit report. These are the only 2 negative reports on my credit report. This is an ongoing issue with NBF. I informed them that the parent client XXXX XXXX XXXX XXXX did not charge it right, that it should have been billed to the VA and they ignore it. I have counter sued them from previous accounts they attempted to collect on because I asked for a detailed bill on the accounts they were asking about and 2 weeks later I was served a subpoena because they were taking me to court. NBF works in bad faith. They show on their website that I have no accounts open so I can't even pay anything off on their site. And they have not sent me a bill on these accounts once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: DE

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report to prevent potential fraudulent activity. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-28 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: DE

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report to prevent potential fraudulent activity. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau To whom it may concern, I am writing to file a formal complaint regarding inaccuracies in credit reporting and improper debt collection practices related to my account, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), XXXX Code XXXX. 
XXXX XXXX XXXX has been reporting inaccurate information to my Social Security number under the account XXXX. Specifically charging unauthorized fees that are not stipulated in the original debt agreement. This practice not only misrepresents my debt obligations but also reflects negatively on my credit history. 

Furthermore, I have received numerous calls from a law firm claiming to represent XXXX XXXX XXXX, offering various debt settlement amounts and terms that are inconsistent with what is listed on my credit report. These discrepancies have caused confusion and have raised concerns about the legitimacy and legality of their collection efforts. They are unlawfully requesting a one-day settlement making continuous calls. 

I am formally requesting that XXXX XXXX XXXX, and any third parties acting on their behalf, cease these unauthorized practices and delete the inaccurate information reported to the credit bureaus. Additionally, I ask that the collection agency provide clear and accurate information about the debt amount and terms, in compliance with FDCPA regulations, as they have not responded directly to any of my requests. 

Please confirm receipt of this letter and outline the steps your office will take to resolve these issues. I appreciate your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-10-28 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: MN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-28 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: MN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-28 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: MN

Complaint narrative:
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX- Experian XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX- Experian XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX - Experian XXXX XXXX Inquiry Date : XX/XX/XXXX Need to get removed - XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Need to get removed - 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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo made an Overpayment of {$9000.00} to XXXX  XXXX XXXX XXXX XXXX ( XXXX ) against my direction to only pay XXXX  XXXX Half Initial Tax Bill of {$1600.00} until my DC DOB Vacant Property Tax Appeal was decided. Thereafter, Wells Fargo has conducted the following : ( XXXX ) Mismanagement of ( My ) Wells Fargo Account # XXXX by Not Applying the Timely {$1500.00} Monthly Mortgage Payments to the Principle Balance. Instead, Wells Fargo has been Placing these Funds for the Last ( XXXX ) to ( XXXX ) -Months in a Suspended Account, Resulting In Excessive Fees & Late Charges. 

( XXXX ) Mailing Monthly Mortgage Payment Statements with Total Monthly Amount Due {$9900.00} ( XXXX ) Providing False Information ( Lying ) to the VA Loan Guaranty Service that VA Loan # XXXX " Is Behind On VA Home Loan Payments '', while Receiving my Timely {$1500.00} Monthly Mortgage Payments and Not Applying them to the Principle Balance. Instead, Placing these Funds for the Last ( XXXX ) to ( XXXX ) -Months in a Suspended Account, while charging Account # XXXX Excessive Fees & Late Charges.

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 2024-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P&B Capital Group, LLC
State: MN

Complaint narrative:
I sold a company 5 years ago for {$0.00} that had some debt. The new owners assumed the debt. A collection agency has been contacting my friends and family for the last month out of nowhere telling them about the debt, which has created a lot of embarrassment and concern. This person continues to call my wife, XXXX XXXX, several friends of mine. I have already spoken to the agency and informed them I have no intent to pay on the debt. The individual calls themselves a mediator who has paperwork that shes going to act on. Its become very intimidating as I have a newborn son at home and my wife is ill. The individuals name is XXXX XXXX, she will not stopping calling my family and friends. She says she is with PNB Capital Group. She leaves her number as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express sent an email on XX/XX/year> saying a periodic review was being placed on my account for a limit reduction unless a {$1000.00} payment was made by XX/XX/year>. When I called American Express on XX/XX/year> I spoke with multiple different agents over the XXXX minute phone call and none of them could give me any information about the periodic review as it is not on any Terms and Conditions or Police contract that I signed. The agents best advice was that there was nothing to do besides make the remaining payment or wait and see what the review came back with as they did not know any information until the review was done and then I could dispute the review if needed. I waited for the review to be done as I have never been late on or missed a payment, never paid only the minimum balance, and my credit score has been within the same bracket the entire time I have had the card. I then received an email on XX/XX/year> saying my credit limit was reduced from {$9700.00} to {$4400.00}, with their Notice of Change being this reduction was made due to my XXXX score. This reduction in limit also now has brought my credit utilization higher which will have more of an impact on my credit score. After trying to reach an agent I was finally able to contact XXXX on XX/XX/year> and they said to either make the remaining payment or have my account reviewed again as they do not have a dispute process. I am reluctant to make the payment as I do not see any guarantee that this will change my limit back or have any other effects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
tMy name is XXXX XXXX XXXX and I AM A VICTIM OF IDENTITY THEFT. These fraudulent names, inquiries, and address, addresses, and names listed below are NOT MINES AND ARE FRAUDULENT. I am providing proof of identity. Proof of SSN and proof of address. There is nothing else i need to provide. PLEASE NOTE the FEDERAL TRADE COMMISSION has been notified about this situation. THIS IS A LEGITIMATE DISPUTE and I AM HOPING YOU CAN RESOLVE THIS MATTER AS I AM SUFFERING PUNITIVE DAMAGES from these FRAUDULENT INQUIRIE, NAMES, AND, ADDRESSES, listed below and on the FTC REPORT. I have accompanied with this dispute letter ID # XXXX. PLEASE HAVE SOME URGENCY ON THIS MATTER as I continue to SUFFER PUNITIVE DEMAGES.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
tMy name is XXXX XXXX XXXX and I AM A VICTIM OF IDENTITY THEFT. These fraudulent names, inquiries, and address, addresses, and names listed below are NOT MINES AND ARE FRAUDULENT. I am providing proof of identity. Proof of SSN and proof of address. There is nothing else i need to provide. PLEASE NOTE the FEDERAL TRADE COMMISSION has been notified about this situation. THIS IS A LEGITIMATE DISPUTE and I AM HOPING YOU CAN RESOLVE THIS MATTER AS I AM SUFFERING PUNITIVE DAMAGES from these FRAUDULENT INQUIRIE, NAMES, AND, ADDRESSES, listed below and on the FTC REPORT. I have accompanied with this dispute letter ID # XXXX. PLEASE HAVE SOME URGENCY ON THIS MATTER as I continue to SUFFER PUNITIVE DEMAGES.

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 2024-10-28 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-10-28 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency
m

ay make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-28 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: NV

Complaint narrative:
I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX inquiry date XX/XX/year> XXXX XXXX  inquiry date XX/XX/year> XXXX inquiry date XX/XX/year>

Company response to consumer: Closed with explanation