vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> I am filing a complaint against Monterey Collection SV, for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights under federal law. 

Specific Violations : Failure to Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided me with the written validation notice required by law. This notice details the debt, its creditor, and my rights to dispute it. 

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Without receiving the validation notice, I haven't been given the chance to dispute the accuracy of the debt. 

False, Misleading, and Deceptive Practices ( 15 USC 1681-S 2 ( 7 ) ( A ) ) : By placing a collection account on my credit report without proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. 

Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures. 

Additional Information I have not received any communication from the collection agency regarding this debt. 
If they attempted mail correspondence, they must provide a tracking number confirming deliver. 
Due to my current living situation, I can not receive mail at the address they may have on file. Therefore, any mailed communication likely wouldn't have reached me. They can not assume I received information they couldn't demonstrably deliver. 

Request : I request the CFPB to investigate these violations and take appropriate action against the collection agency. This may include : Ordering the agency to remove the collection account from my credit report. 
Requiring them to provide me with the proper validation notice and dispute process. 
Stopping them from using any further deceptive practices in collecting this debt. 

Thank you for your time and attention to this matter Sincerely, XXXX XXXX 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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In direct violation of FCRA 15 USC 1601 ( p ) this company has no authorized use for my information. They have no authority to use my information in a way that damages my reputation. They are liable for damages this action has caused me. Ive suffered great loss due to the misuse of my private property. They have failed to produce a contract that grants them rights to misrepresent me. 

I asked that they remove their slanderous statements from the public. They have failed to do so. Theyve also threatened to take legal action against for making this 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 2024-06-23 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:
Hello, I have tried getting this inaccurate information off of my report for years now. There are several collections that I have asked Experian to verify or delete off of my report. Every other credit bureau has complied except for Experian. This is causing a single mother of four a lot of stress and turmoil for the inaccurate information being reported. It is stopping me from funding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stopping me from buying a house and getting the cars I need for the business. I feel like I am being discriminated against as I am XXXX  and a woman. I really need some assistance getting this inaccurate information cleared away. Also they keep adding back inaccurate addresses, names and phone numbers.

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 2024-06-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, balance on closed accounts, address and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 


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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts on my report show as written off or sold to another lender. Therefore I would like the original signed contracts between me and and original debtors from the lenders who purchased said debts. if not possible within 30 days I would like these accounts deleted from 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 explanation
Consumer complaint received 2024-06-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told XXXX, Transunion, and XXXX to reinvestigate these accounts, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, balance on closed accounts, address and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 


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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts on my report show as written off or sold to another lender. Therefore I would like the original signed contracts between me and and original debtors from the lenders who purchased said debts. if not possible within 30 days I would like these accounts deleted from 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 2024-06-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, balance on closed accounts, address and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts on my report show as written off or sold to another lender. Therefore I would like the original signed contracts between me and and original debtors from the lenders who purchased said debts. if not possible within 30 days I would like these accounts deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I dont recall the dates. I was requesting a refund due to fraudulent activity and all of a sudden my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AK

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, we entrusted XXXX Legal Group with over {$9400.00} for debt consolidation services, which were to be processed by their sister company, Global Holdings. Despite this substantial payment, only {$2200.00} was used to pay debts, and no debts were settled. This leaves over {$7000.00} unaccounted for, which is particularly concerning as taking any fees without settling debt is illegal. 

On XX/XX/XXXX, we requested a refund and the termination of our partnership. We received a response on XX/XX/XXXX, confirming the cessation of drafts on our account and the initiation of the refund process. However, as of now, we have not received any funds. 

We have made numerous attempts to contact both companies via phone and email, but all efforts have gone unanswered. Additionally, over a month and a half ago, we were locked out of our account portal, preventing us from monitoring any actions taken regarding our funds. This lack of communication and failure to refund our money is unacceptable, and we demand immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/year>, I wrote letters to both Equifax and XXXX regarding reporting errors on my credit reports. I notified them that I was never late on my payments and provided evidence of inaccuracies straight from my credit reports. Despite my efforts, neither company responded to my disputes nor did they enter a notice of dispute from XX/XX/XXXX to XX/XX/year>. Additionally, they have not provided me with any results from their investigations. 

Upon reviewing my attached documents, you will find the account in question showing the following discrepancies : XXXX : XXXX late payments Equifax : XXXX late payment XXXX : XXXX late payments It is perplexing how the same account can have different late payment reports across different credit bureaus. Specifically, XXXX month XXXX indicates I was late, then the next month I wasnt late, while XXXX reported late payments for the XXXX months prior. Meanwhile, Equifax reported on-time payments in the previous month. 

This situation is extremely frustrating and has caused undue stress. I request the removal of all late payments from this account and an update to reflect " paid never late. '' Thank you for your prompt attention to this matter. 

Attachments : Letters sent to Equifax and XXXX dated XX/XX/year> XXXX reports showing discrepancies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had an unauthorized credit freeze an am not sure how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CATHAY BANK
State: NY

Complaint narrative:
Back in XXXX of XXXX  I had a problem where someone unknown too me used my debt card so XXXX department contacted me so I ask them to send me a new debt card and send me a new card and have my account number changed they never did but come in the end of XX/XX/year> they closed my account and there was fund that was not refund too me I never ever asked to have my account closed I asked multiple times to have my accounts changed what I would like them to reopen my account set up a date and time with the XXXX XXXX branch so I could open my checking account I want to also open a passbook savings account without being discriminated against because they say it only for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Our initial encounter at Jared was unpleasant. We were helped by a sales agent who pushed us on the 0 % APR deal, and no one at Jared noted an 18 month deadline to us ( otherwise we would not have proceeded ). We recently noticed an interest charge of $ XXXX ( on an initial charge of ~ $ XXXX ) and are extremely disappointed in them for not being transparent with us. We were still less than a month out from the date of the charge, and reached out to Comenity & Jared support teams who both stated they could do nothing to waive the charges. We were sent from one person to another, speaking to countless supervisors, with multiple hours of phone time.

The shady point of sale tactics compounded with no remorse/relief is extremely disappointing. But there is more- We have a separate dispute going on for interest charges that were wrongfully charged due to miscommunication with the Jared team. The supervisor or manager at Comenity on Friday XXXX, XX/XX/24, told us the dispute was ongoing and we would hear back by mail within 90 days so we accepted this wait period and asked the supervisor or manager if we have incurred or will soon incur more interest charges, she said, " no you are fine until next months charge ( XXXX XXXX ) ''. We attempted to pay off our entire balance several times, but the online system is not working. We finally tried again on XX/XX/24 to pay it off when we saw an additional charge of {$170.00} so we called Comenity and they did absolutely nothing. It is not okay for a supervisor or manager to tell us on the same day we spoke to her that we would not incur charges, to then be charged interest on the same exact day. We were given misleading information. Our contact with this supervisor should be noted in their system since they record calls. 

We ask that they please remove the deferred interest of $ XXXX, or at the very least, remove the new interest charge of {$170.00} as it is completely not our fault, but rather the mistakeofa Comenity team member.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: SC

Complaint narrative:
On XX/XX/year>, I wrote letters to both XXXX and Experian regarding reporting errors on my credit reports. I notified them that I was never late on my payments and provided evidence of inaccuracies straight from my credit reports. Despite my efforts, neither company responded to my disputes nor did they enter a notice of dispute from XX/XX/XXXX to XX/XX/year>. Additionally, they have not provided me with any results from their investigations. 

Upon reviewing my attached documents, you will find the account in question showing the following discrepancies : Experian : XXXX late payments XXXX : XXXX late payment XXXX : XXXX late payments It is perplexing how the same account can have different late payment reports across different credit bureaus. Specifically, XXXX month XXXX indicates I was late, then the next month I wasnt late, while Experian reported late payments for the XXXX months prior. Meanwhile, XXXX reported on-time payments in the previous month. 

This situation is extremely frustrating and has caused undue stress. I request the removal of all late payments from this account and an update to reflect " paid never late. '' Thank you for your prompt attention to this matter. 

Attachments : Letters sent to XXXX and Experian dated XX/XX/year> XXXX reports showing discrepancies

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had an unauthorized credit freeze an am not sure how to fix it.

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 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This company apparently forged signatures on the documents they have. They have no contract with me to pursue any kind of debt. In direct violation of the FDCPA USC 15 1692 ( g ), this company has not provided verified documentation. No documents notarized. They dont even have standing to pursue litigation in this matter. Per the Federal Trade Commission, reporting must be accurate. They are reporting this alleged account as an open account that would have been closed if its in collections. This is in direct contradiction to 15 USC 1681s-2, which clearly states - 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This company is liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
on XX/XX/XXXX Chime authorized a charge from way, XXXX some online company that i have no knowledge or idea what they offer. I just know my computer was hacked around the same time frame as when the alleged charge came thru!! Chime is the bank provider my visa # is XXXX exp XXXX last .its a visa. XXXX said they had no jurisdiction or info to dispute this transaction or account. XXXX and XXXX said they could not help me and Chime said they refused to take fraudulent item off even though they had no proof the alleged account charge belonged to me.This XXXX fraudulent transaction to this day is still on my check card and it is not an authorized charge by me by any means. I still have no idea what this charge is!!! Please help me .I guess anyone can get there money stolen at any time and chime does not care or know how to handle a situation like this or just don't care or have time to help fix stuff like this!! XXXX if the same thing happened to the chime customer service rep.I wonder how they would react and feel about this. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
This company apparently forged signatures on the documents they have. They have no contract with me to pursue any kind of debt. In direct violation of the FDCPA XXXX XXXX XXXX ( g ), this company has not provided verified documentation. No documents notarized. They dont even have standing to pursue litigation in this matter. Per the Federal Trade Commission, reporting must be accurate. They are reporting this alleged account as an open account that would have been closed if its in collections. This is in direct contradiction to 15 USC 1681s-2, which clearly states - 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This company is liable for damages.

Company response to consumer: Closed with explanation