vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The online security freeze request is broken. After successfully passing their identity verification, there is no way to create a new account because there is a bug when fulfilling their password requirements. You either get a passwords do not match message or password requirements message -- which I fulfilled multiple times. 

This is either an unfair practice or a deceptive practice for any consumer wanting to place a security freeze online.

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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
In XXXX, I purchased an entertainment center and a couch from value city furniture. On delivery day, I was called by an associate that the couch was defective and they would deliver me a new one in XXXX. I declined this delivery and informed this associate that I no longer wanted the couch. I did accept the entertainment center. I paid on this account despite getting NO bills from synchrony bank or value city... not even on request. I believe I paid off the XXXX. MONTHS later, synchrony bank sold my credit to XXXX XXXX XXXX who were demanding over XXXX for the couch. I explained the situation to them and to value city, only to be hung up on by both. I refuse to pay for something a did not receive. I have asked for the delivery receipt showing where I accepted this broken couch and no one can or will provide this to me. I have been fighting this ever since. My credit is being harmed. I want value city to refund synchrony bank and this taken off my credit report. I am done dealing with these people. No one should be able to provide Info to a credit report with absolutely no proof. Value city says they delivered it and I am saying yes I had it delivered but it was refused. I want a delivery receipt that states I accepted a defective couch. No one can provide me this. I need an investigation. It is not enough for a value city employee saying we delivered this product but can't prove it. That's abuse.

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 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANCO POPULAR DE PUERTO RICO
State: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XX/XX/year> RE : Loan No # XXXX, XXXX, XXXX My credit report shows a charge off or collection from your agency, I was never notified of this collection and has also requested a copy of the 1099C form which youve failed to supply to me. I do believe that this debt is not accurate and under the fair debt collection protection act, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of the following.

1. Form 1099C 2. An Explanation of the alleged account balance is 3. A calculation of this balance including the complete payment history on this account so I have proof the debt amount is correct 4. Documentation that shows I agreed to pay this debt 5. A copy of your state license including license number.

As you may know, claiming a profit loss write up means that this debt was paid in full, and I am required to have a copy of the form 1099C for my tax filing.

Stop contacting me regarding any other matter until you can provide the accurate verification of this debt. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
Transunion has incorrect personal information as to phone numbers as XXXX Transunion needs to provide proof of such number and who it belongs to as well as a contract with a provider as a land line or cellular company. 

As to XXXX XXXX XXXX XXXX PA XXXX there needs to be proof of a leasing contract, Lender or Bank, Delete information resolution box or provide proof of legal documentation of address from the provider as same as phone number

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 2024-09-22 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccurate and fraudulent information being reported on my credit report by XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681s-2 ( b ), XXXX is obligated to conduct an investigation upon receiving notice of a dispute regarding the accuracy of information they have reported to credit bureaus. However, despite my request, XXXX has failed to verify the validity of the account or provide any documentation, such as the purchase agreement, to confirm full ownership of the account. 

Additionally, XXXX no longer holds this account, as it was transferred to another servicer without any prior notification to me, which may also be a violation of the Real Estate Settlement Procedures Act ( RESPA ), under 12 U.S.C. 2605 ( c ). This statute requires that servicers provide advance notice before transferring a loan. Despite this transfer, XXXX continues to report false information on my credit report, which is a violation of FCRA and is damaging to my credit standing. 

I also want to emphasize that I have made all required payments and was never informed of the transfer in advance, as required by law. By continuing to report inaccurate and fraudulent information, XXXX is in violation of 15 U.S.C. 1681i, which requires credit furnishers to correct or delete inaccurate information once a dispute is filed. 

I respectfully request that the CFPB take action to ensure that XXXX ceases the false reporting and fully complies with its obligations under the Fair Credit Reporting Act and RESPA. I am also requesting that XXXX provide me with the necessary documentation to confirm the accuracy of the account, or have the inaccurate information removed from my credit report. 

Thank you for your attention to this urgent matter. I look forward to a 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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I got a destiny credit card, within about 11 days they closed the account for suspesious activity, I called about it and they said they have the right to close any account for any reason, well within that 11 days that they closed my account they charged my XXXX dollars to activate the card, and then after closing the account another XXXXdollars for yearly fee, and then charged me a XXXX dollar account fee, and now they have added another XXXX dollar charge for for a return check fee that they pulled out 2 payments 1 for XXXX and some change to payoff the account and then another XXXX dollar that was over payment and they told me if I wanted the XXXX dollar back I had to dispute it with my bank, so I did and now they are trying to charge me for their mistake this is fraud don't give you a service and charge over XXXX dollars in fees that is a lot of money if they do that to everyone, this needs to be addressed and stopped, they should be prosecuted to the extent of the law, if you have any questions feel free to contact me at XXXX thank you, this is a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, SSN : XXXX ; DOB : XX/XX/XXXX. The CFPB complaint has been filed to request pursuant to FRCA XXXX ( XXXX. XXXX ) that you, Equifax, XXXX, XXXX XXXX reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent, inaccurate, and false information accounts are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Requesting access to my credit report online, XXXX, Equifax, XXXX XXXX, Unable to access my report. When I log into Equifax error BLNK, I was told call your agent, in which I did, and was told send in DL, SS, and which I have done with previous dispute, and I requested that you unblock me to have access to my credit information. I provided my Driver 's License, Social Security Card, Bank Statement, my Identity Theft report, and error message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I login into my XXXX XXXX  account according to my current credit profile I have an offer for a few credit cards which Id apply for a Milestones Mastercard, on XXXX XXXX add it says higher credit limit. The fees is disclosed which is {$120.00}, after I submitted the application I surprisedly approved for a very low credit limit of {$500.00}. I wouldnt consider applying for these card with a fee of {$120.00} knowing is only {$500.00} credit line, with no chance of increasing the credit limit within 6 months. I called customer service to see if they can refund the fee, I was told theyre unable to refund the fee. This is not helping me at all its very hard to manage a very low credit limit Im practically just paying them {$120.00} to report my account to XXXX credit reporting bureaus. When I could have just apply for secured card at XXXX XXXX with {$500.00} deposit with XXXX fee. I am currently rebuilding my credit. In the past I had large amounts of credit limit but decided to closed all my credit cards. My husband and I are currently in the process in selling our current home and needs to apply for a home loan in a few months, thats the only reason Id applied for a credit card to raise my credit score which is credit is a scam in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 may 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 non-monetary relief
Consumer complaint received 2024-09-22 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: EQUIFAX, INC.
State: TX

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 may 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On Friday, XXXX XXXX XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX, specifically the XXXX XXXX XXXX XXXX model, with the XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, situated at XXXX XXXX XXXX, XXXX, XXXX  XXXX. The dealership can be reached at ( XXXX ) XXXX. I secured an auto loan from TD Bank for a term of XXXX  months, with a monthly payment of {$600.00}. On XXXX XXXX, 2024, I received a welcome letter from TD Bank TD Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX, which included Account XXXX  : XXXX. 
Vehicle : 2024 XXXX XXXX XXXX : XXXX Term : XXXX  months Payment Due : XXXX XXXXXXXX XXXX Payment Amount : {$600.00} Subsequently, on XXXX XXXX, 2024, I received another letter from TD Bank indicating that We are unable to approve your application for the terms requested. However, we have conditionally approved your application on alternative terms which have been communicated to your dealer. Please contact your dealer for additional information. You will have XXXX  days from the date of your application to accept the new terms. lf you do not accept the new terms within the requested time, your application will be considered declined. 

After acquiring the XXXX  and receiving the approval letter from TD Bank, I am currently driving the vehicle. I have successfully transferred the car insurance from my previous XXXX, which I traded in, to the new one. However, after XXXX  days, TD Bank altered the terms of the financing for the new XXXX, reducing the financing period from XXXX  months. This change is concerning, and I request that TD Bank honors the original XXXX term with a monthly payment of {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I just logged into myequifax.com and found that it does not require XXXX. Further I understand that if someone was to have my user name, phone number and SSN that they could have the password reset sent to ANY email address. 
This site should have XXXX since they hold so much of my personal information. THe other 2 credit bureaus do require XXXX. I'm concerned about an account takeover which I'm hearing is happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Apparently, the letter from TSI was mailed to my old home address dated XX/XX/year>, which is my parents home, and I had received this letter only today XX/XX/year> ( my parents thought it as scam and therefore had not informed me at the time ). The letter states that as of XX/XX/year> I owe {$1100.00}. The letter includes account information with facility as XXXX. I was supposed to dispute by XX/XX/year> according to the letter. 
My parents also handed me today another letter from XXXX XXXX XXXXXXXX XXXX that had been mailed to their address dated XX/XX/year> which informed me that there is the unpaid balance {$840.00} from transportation service that had been provided on XX/XX/year> ( thats when I got discharged from XXXX to XXXX XXXX ). I am told to call XXXX XXXX XXXX customer service to ask them to reprocess my claim for the entire amount owed, which I will try tomorrow. 
It seems that these two letters are somehow related to XXXX, but I am not so clear as to what the first letter charges me for ( 2nd letter at least is regarding the transportation fee balance, but 1st letter did not indicate which service was used ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient misled me as a borrower. By providing inaccurate information regarding my income driven repayment plan option. Navient also incorrectly processed my payment and misled me about improving my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I called twice and spoke to two different representatives on XX/XX/year> and XX/XX/year> to get my payoff and both times I was told I couldn't pay my loan off early I had to remain paying until XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: AZ

Complaint narrative:
I have requested that my name to be updated correctly, my name is XXXX XXXX not XXXX XXXX XXXX, please update correctly. As per my driver license and Social Security card. Lastly my address that is listed XXXX XXXX XXXXXXXX XXXX has not been my address in over XXXX  years and should not be on my credit, I was underage when I lived at that address remove that address immediately.

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 2024-09-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Subject : Formal Dispute for Removal of XXXX XXXX Information Due to FCRA Violations Account Number : XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of XXXX XXXX obligations on my credit report, specifically the account related to Account XXXX. The reporting of this account violates the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681**, and is being unlawfully updated monthly to artificially extend the statute of limitations on the debt.

# # # Violation of the FCRA and USC Provisions Under the **FCRA, 15 U.S.C . 1681e ( b ) **, credit reporting agencies are required to maintain accurate and up-to-date information. However, the repeated monthly updates on this XXXX XXXX account are misleading and are an attempt to re-age the debt in violation of federal law. These actions falsely suggest that delinquency is more recent than it actually is, impacting my credit score unfairly.

Additionally, under **15 U.S.C. 1681c ( a ) ( 4 ) **, credit reporting agencies are prohibited from reporting outdated negative information beyond the allowable reporting period, which typically can not extend beyond 7 years for most types of debts. Continuously updating a delinquent child support account to extend the reporting period is a clear violation of these rules.

Furthermore, re-aging the account or updating the delinquency date each month constitutes a violation of federal debt collection laws under **15 U.S.C. 1692d**, which protects consumers from unfair or deceptive collection practices.

Company response to consumer: Closed with explanation