vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: Nelnet, Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX I submitted my payment in full through Nelnet, who is my loan servicer. The payment made was {$61000.00}. On XX/XX/XXXX I received an email saying that my payment was denied. Following up with this I called my financial institution only to find out that no transfers of money were even attempting to be made. I went ahead and resubmitted the payment only to find that I had accrued more interest in that timeframe. I scheduled a payment for {$61000.00} on XX/XX/XXXX. Since I submitted the payment it still says pending. While the payment was pending I noticed that I had accrued {$24.00} in interest. So I submitted another payment on XX/XX/XXXX for the {$24.00}. The {$24.00} drafted from my bank account, however, the {$61000.00} has not. So I reached out to Nelnet to see what the problem was. After being on hold for three hours the representative told me I just needed to use a different bank account for the {$61000.00}. I am just concerned because I do not want to accrue any more interest while I am trying to pay off the total of my loan. I am just frustrated and feel that this needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I kept getting junk mail from capital one saying if I applied for their quicksilver card and was approved, I'd get a {$300.00} statement balance if I spent {$500.00} in the first 3 months. I applied for the card and called now, 3 months later after having surpassed the {$500.00} spend mark and was told I wouldn't get that bonus despite the many months of junk mail stating I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: MO

Complaint narrative:
i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX a Partial Claim note was signed by the sole mortgagor of our home. There was what I believe to be a breach in compliance of the Truth and Lending Act. I being added to the deed in XXXX of XXXX, although not added to the mortgage, am on the deed with right of survivorship. I was never notified that the Partial Claim in the amount of {$9000.00} was extended and encumbered by the property. I don't believe the bank did a title search to see there are 2 People on the Deed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Paid off loan XXXX on XX/XX/2023. Have email proof from Affirm and XXXX XXXX. Today XX/XX/2023 Affirm claims I owe them money. I have proof I paid this loan and absolutely will not pay a dime more. Expecting this to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NJ

Complaint narrative:
This information is incorrect in my report. 

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXXXXXX XXXX XXXXXXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Equifax, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. It is also important to note that XXXX and XXXX are not reporting this late payment so I am confused why Equifax is reporting this. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over XXXX months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Equifax for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
Do to the fair credit report these accounts with department of educationXXXX XXXX should have been removed after 7yesrs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am trying to fix my credit report and noticed all these hard inquiries on my report I did not authorize or make. I tried to contact the credit reporting agency transunion and have not been successful. Tried to send them letters and callled multiple times every time being told something completely different. And still nothing has been done or changed. 
According the the 15 USC 1681 law there should not be any damages on my report its a defamation to my character. 
XXXX XXXX XXXX XXXX XXXX 
Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX  XXXX. 
XXXX : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXXl ( 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 2023-10-20 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: NJ

Complaint narrative:
This information is incorrect in my report. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-20 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: NJ

Complaint narrative:
This information is incorrect in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's been over XXXX  days since i sent the letters to the credit burau I waited more then XXXX days i have not receive anything from them when i check my credit report the errors are still in there inconsistency. XXXX XXXX XXXX # XXXX has been removed from Equifax and XXXX but still show on XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: AZ

Complaint narrative:
Recent Dispute Dates : XX/XX/2023 Reason : Dispute one of the credit card that doesn't belong to me. The credit card has due pay for over 150 days. It severely damaged my credit score.

Actions I have taken : I filed multiple disputes regarding one of the mis reports of the credit card that doesn't belongs to me. The Experian told me they did investigation and won't change the record. 

I also called XXXX to help correct it, my credit score got back to XXXX in XXXX after I call XXXX. 
But somehow the wrong bad record comes back to my report again, decreased my score to XXXX. 

It is so obvious that the owner name of the card is not mine, and I double confirmed with XXXX that even the SSN of the card is not mine as well. 

The Experian refuse to give out details of how they do the investigation, how they ignore the obvious mistake on the record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have made multiple attempts to rectify this issue directly with Pen Fed, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off listing, transactions and experiences on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account 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 non-monetary relief
Consumer complaint received 2023-10-20 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: LA

Complaint narrative:
I noticed these collections reporting on my credit report. I do not have any connections with these companies nor did I ever do business with these companies. Please remove. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX has sent me yet ANOTHER scam packet through the US Mail.

I DO NOT HAVE OR HAVE EVER HAD ANY ACCOUNT AT THIS THIRD BANK THEY NOW SAY THEY HAVE ALREADY GARNISHED AND STOLEN MY MONEY FROM.

I HAND DELIVERED A LETTER TO THEM FOUR MONTHS AGO TELLING THEM TO STOP CONTACTING ME. 

I AM ON SOCIAL SECURITY AND I AM NOT PAYING THESE SCAM PIECES OF XXXX XXXX CENT. 

I DONT KNOW WHAT THIS SUPPOSED DEBT IS FOR, I DONT CARE. 

WHY ARE THESE PEOPLE ALLOWED TO KEEP BREAKING FEDERAL LAWS????? 

The XXXX ALSO NEEDS TO BE INVESTIGATED. THEY HAVE OPTED TO NOT DO THEIR JOBS. THEY ARE ALSO OWNED BY XXXX MONEY GROUPS. 


FIX THIS XXXX COUNTRY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TN

Complaint narrative:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TN

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: Nelnet, Inc.
State: MA

Complaint narrative:
Hi there! I'm restarting my student loan payment with Nelnet from great lakes. Last month in XXXX I created my account and saw the payment was not due until XXXX  XX/XX/2023. I went in XXXX  ( XX/XX/2023 ) to make my first payment and they locked me out of paying the loan until XXXX. They will not credit me until XXXX  XX/XX/2023. They said I'm late even though I'm days early. I don't get paid until XXXX they make it impossible to make a good faith repayment. Also they make it due on a day I can't pay. How is that fair? They apparently only process payments on business days but I made mine on XXXX  XX/XX/2023. Nelnet does not make it clear anywhere they only process payments on weekdays. I would have made arraignments to make a good faith payment before if I had known. Nelnet is purposely engaging in deceitful practices in order to get their customers to pay late fees. I'm worried this will hit my credit too. I tried to reach out but they make it impossible to do. I was never able to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Since XXXX of XXXX, I've notice incorrect reporting on my credit report. I reached out to Star Furniture, XXXX for proof but to no avail. I have called both companies to inform them of the security breach of both but, they came up with an excuse. Both companies have a breach. The breach is local. The person has hacked into their server to change and abstract money from their service. She is sending out phony letters and both companies arent taken this seriousely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
On XXXX XX/XX/2023, I received an email from Experian that a credit check was made on my Experian credit file. The inquiry was made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NV XXXX. I called the number on the report from Experian. Spoke with XXXX on XXXX XXXX. XXXX issued an internal XXXX XXXX to block the person applying for the loan. XXXX was to send me a " XXXX XXXX '' for me to complete and return. Today, XXXX XX/XX/2023 I called XXXX XXXX back to say I had not received the XXXX XXXXt. I spoke with XXXX again. He said it takes XXXX to XXXX  days for the XXXX XXXX to arrive. I don't recall this being stated on my XXXX XXXX call. XXXX was going to place a XXXX XXXXXXXX XXXX in the mail just incase the XXXX packet does not arrive. 
I inquired again, that the application was denied and labeled as XXXX. XXXX assured me that the appropriate action had been take internally.

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