vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-02-15 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 explanation
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-02-15 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding the recent repossession of my vehicle by Union PennFed without any prior notification. This incident has left me perplexed and deeply concerned about the lack of communication and transparency in your organization 's processes. 

On XX/XX/XXXX, Union PennFed representatives arrived at my residence and repossessed my vehicle without any prior warning or notification. To add to the confusion, I was informed that there is an outstanding payment issue, specifically related to a payment that Union PennFed claims they never received. However, I have evidence that the payment in question was deducted from my account on XX/XX/XXXX. 

I have taken the initiative to request an audit of my account on two separate occasions, but unfortunately, I have not received any response or acknowledgment from Union PennFed. The lack of communication and failure to address my concerns is not only unprofessional but also extremely distressing for me as a customer. 

I would like to highlight that the payment in question was indeed withdrawn from my account on XX/XX/XXXX, and I can provide documentation to support this claim. It is baffling that Union PennFed insists on not having received the payment while my bank records clearly indicate otherwise. 

I am requesting a thorough investigation into this matter, including a detailed audit of my account to identify the discrepancy and locate the missing payment. Additionally, I urge Union PennFed to improve its communication channels and respond promptly to customer inquiries and requests. The repossession of my vehicle without proper investigation and resolution of the payment issue is both unjust and unacceptable. 

I expect a swift and satisfactory resolution to this matter. If necessary, I am prepared to escalate this complaint to higher authorities and explore legal avenues to protect my rights as a consumer. 

I appreciate your prompt attention to this serious matter and look forward to a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I canceled my account with XXXX. I then paid off the equipment and made an arrangement to make monthly payments to pay off contract. Auto pay was setup and everything was going fine.. For some reason, there was an error on XXXX behalf that didn't take out XXXX & XXXX payments XXXX XXXX so they added me to collections which dropped my XXXX XXXX XXXX points.. After spending several hours on the phone been transferred all over the place they admitted it was an error on their part.. Yet, I was not removed from collections. A few weeks ago, end of XXXX, first week of XXXX, I called to try and resolve this because both XXXX and the collections agency both took payments out of my bank account..So, XXXX, of XXXX, suggested Reactivating my account with XXXX and that would remove me from collections.XXXX However, after Reactivating, XXXX did not contact Collections to remove them from my credit report.. I disputed and they still did not remove my collection.. I have been lied to, manipulated into reactivating my account with XXXX for nothing..Now, I face having to pay both ADT and collections to keep my credit safe! I am strongly considering filing a lawsuit and pursuing legal action. My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Follow up the Complaint ID XXXX, XXXX I did call and email XXXX XXXX customer service, never get response. The issues for my kids health exam that my family doctor mistake the paperwork for blood test, that paperwork for adult exam. 
Asked my family doctor to fixed this issues, they dont take this responsibility, I am unable to contact XXXX XXXX as their customer service never answer, The debt shows my both kids, but the statements send to me, I dont like to pay family doctor mistakes and XXXX XXXX sell the debt to collection companies, right now I have received the Credit collection company statements. Reference number are XXXX, XXXX. I want to protect my credit. 
Please help and protect my right.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This letter serves as a formal notice of dispute and intent to rescind the consumer credit transaction I entered on XX/XX/2023 for an open ended line of credit involving the acquisition of the platinum credit card Grounds for Rescission : My right to rescind this transaction is based on the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1635 ( a ). This section grants borrowers like myself the right to rescind within the earlier of : Midnight of the third business day following the consummation of the transaction ; or Delivery of the required TILA disclosures and rescission forms.

Failure to Provide Required Disclosures : I have not received all the disclosures mandated by TILA. Notably, I am missing the following : A clear and conspicuous disclosure of my right to rescind the transaction.

A copy of the Truth in Lending Disclosure Statement.

A copy of the rescission form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have been a member of Navy Federal Credit Union for over 39 years. I had a home XXXX loan. In XXXX or XXXX if XXXX I put down a large amount of money paying off half of tge loan. My balance was reduced to XXXX. I noticed then that by doing that my account statement said the next payment was due in XX/XX/XXXX and the payment was XXXX. I called Navy Federal to confirm that this was accurate and they stated yes it was. What they failed to mention WAS that my account would continue to accrue interest DAILY. I was informed on XX/XX/XXXX that I owe approximately XXXX $ in interest. I am really outraged. I gave a good credit score, XXXX and I keep up to date on all of my bills. This is very sneaky and NON TRANSPARENT. I do not want to pay an extra XXXX. I do NOT FEEL THAT THIS IS MY FAULT BECAUSE I ASKED ABOUT THE PAYMENTS. I LITERALLY INQUIRED ABOUT THE DATE OF XX/XX/XXXX AND I WAS TOLD THAT WOULD BE THE NEXT MONTH I WOULD BE REQUIRED TO MAKE A PAYMENT. IF I HAD KNOWN THAT IT WOULD ACCRUE INTEREST DAILY I WOULD HAVE MADE STRATEGIC PAYMENTS. THE INFORMATION AFFORDED TO ME BY NAVY FEDERAL WAS NOT TRANSPARENT. I WOULD LIKE TO COME TO AN AGREEMENT FOR A SOLUTION. I AM OUTRAGED AND I WANT TO HAVE THIS INVESTIGATED. I DO NOT THINK IT IS FAIR THAT I HAVE TO FURNISH AN EXTRA XXXX $ ESPECIALLY SINCE I HAVE MONETARY OBLIGATIONS THAT I NEED TO FULFILL. The amount on my statement of account dealing my loan has consistently remained. XXXX $ owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XX/XX/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 2024-02-15 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX the loan was purchased by the M & T Bank from XXXX XXXXXXXX XXXX 
XX/XX/XXXX the existing modification/repayment plan term was met with additional repayment plan amount. 
XX/XX/XXXX due to scheduling the approved repayment plan could not be honored online or by telephone due to system constraints and limitations and the regular payment amount was paid twice ( XXXX regular payment beginning and end of XXXX ). 
XX/XX/XXXX M & T Bank ejected the mortgage loan out of the repayment plan and preferred me to the state mortgage relief program. The modification request to the bank and the COVID-19 pandemic/hardship relief request to the state program were subsequently denied : by the bank for insufficient income and the other for ( allegedly, and erroneously calculated ) exceeding the XXXX XXXX XXXX 150 % XXXX XXXX 
XX/XX/XXXX no further payments ( partial or otherwise ) would be accepted. by M & T Bank. 
XX/XX/XXXX a modification request was submitted to M & T Bank and subsequently denied for not insufficient income for a modified loan. 
XX/XX/XXXX a state COVID-19/pandemic mortgage relief program denied ( XXXX times ) for allegedly exceeding XXXX ( which eventually became true ). 
XX/XX/XXXX, due to changes in circumstances that included increased income and reduced debt/debt consolidation and negotiation, another request was made to M & T Bank for a modification/repayment plan that was subsequently denied. The property was placed in active foreclosure to be later paused because of the VA moratorium. 
XX/XX/XXXX a request was made for a reinstatement quote. 
XX/XX/XXXX a reinstatement quote was received with a response by date of XX/XX/XXXX and no provision for negotiation/down payment and installments to repay the balance. 
XX/XX/XXXX M & T Bank phoned to check status of receipt and forecast for response indicating there was no authorization for the attorneys or bank representatives to negotiate terms of repayment and that another modification/repayment plan request would need to be initiated. Despite the VA moratorium , M & T Bank representative indicated the property would be placed back in active foreclosure should the entire unpaid balance remain unpaid and nothing less than the full balance could be received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX late open 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 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc.
State: UT

Complaint narrative:
On XXXX I reported COLLECTION PROFESSIONALS for refusing my request to validate alleged debt after XXXX attempts. Case number for my complaint was XXXX. I provided documents which supported the veracity of my claim. 
Upon my complaint to the CFBP, the debt collection company ( COLLECTION PROFESSIONALS ) responded on XX/XX/ with a document which neither proved my legal obligation to them nor verified the debt but blatantly violated XXXX laws and infringed upon my rights. I have hereby attached the document this debt collector sent and demand they are held responsible for XXXX violation as I did not grant permission to my health provider to share details of my health information.

Company response to consumer: Closed with explanation