vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
I am a victim of identity theft and am disputing all fraudulent accounts, inquiries, and transactions on my credit report. I did not authorize or open these accounts, and they are negatively impacting my credit. I am requesting the immediate removal of all fraudulent items. Please update my credit file accordingly and confirm once the corrections are made. Thank you.

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 2025-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: AR

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> on these dates provided the lender known as Monterey Financial has repeatedly called me trying to harass me about my debt that I know I have they will call way before the due date of my bill every month since I originally got the bill stating that they were going to put it in collections and report it to the credit bureau when I have a scheduled day to pay the bill of every month one month I got behind and set up a payment plan to make up the payment and ever since then they have called me almost every day trying to say Im past due I need to pay them today or else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: LA

Complaint narrative:
I was incarcerated from XXXX till XXXX during this time my card was used at atm and such. When sending chime the proof of this incarceration they claim they find no error for unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Dear Portfolio Recovery Associates , LLC, Thank you for your response and for investigating the complaint regarding the PRA account ending in XXXX. 

I would like to address the points made in your response by referencing the relevant provisions of the Fair Credit Reporting Act ( FCRA ) : Verification and Validation of Debt : According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which is often cited alongside FCRA regulations, a consumer has the right to request verification of the debt. While you mentioned that you have sent validating documentation, this does not serve as proof that I owe PRA for this debt. I demand a copy of the contract assignment between Portfolio Recovery Associates , LLC, and the original creditor ( XXXX  XXXX  ), including a wet signature indicating my agreement to pay PRA and not the original creditor. This documentation is essential to establish your legal right to collect this debt. 

Accuracy and Integrity of Information : Under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the information provided. I require evidence that the account information reported to credit bureaus is accurate, complete, and free of any discrepancies.

Cease Communication Request : I appreciate your acknowledgment of my request to cease all communications regarding the PRA account. Be reminded that under the FDCPA Section 805 ( c ), debt collectors must cease communication upon written request, except to advise that the collector 's further efforts are being terminated, or to notify the consumer that the debt collector or creditor may invoke specified remedies.

Dispute Resolution : According to Section 611 ( a ) of the FCRA, consumers have the right to dispute inaccurate or incomplete information directly with the consumer reporting agency and the information furnisher. If I find any inaccuracies in the validating documentation provided, I will exercise my right to dispute such inaccuracies. 

Request for Contract Assignment and Wet Signature : To further validate this debt, I demand a copy of the contract assignment between Portfolio Recovery Associates , LLC, and the original creditor ( Ally Bank ), including a wet signature indicating my agreement to pay PRA and not the original creditor. This documentation is essential to establish your legal right to collect this debt.

Consequences of Failure to Provide Documentation : Please be advised that failure to provide the requested documentation within 15 days will be grounds for removing the account from my credit report. 

I expect your immediate attention to this matter. Failure to comply with these requests will result in appropriate actions to protect my rights under the FCRA and FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am writing to file a complaint against Santander Consumer USA regarding the repossession of my vehicle. As a XXXX single mother and XXXX XXXX XXXX XXXX, I have been facing multiple hardships, including an inability to renew my vehicle registration with the XXXX  XXXX XXXX XXXX ( XXXX ) due to my abuser being listed on my cars title. 

Despite being transparent about my situation and the challenges I am facing, Santander Consumer USA has repossessed my car. This has had a detrimental impact on my ability to work, attend medical appointments, and care for my children. I am being forced into a cycle of financial hardship that I can not escape due to the actions of Santander. 

I am requesting your intervention to investigate this matter and assist me in finding a resolution that allows me to regain my vehicle and financial stability. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-19 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: NC

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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer.

I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt, and during this time, all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt, it shall be deleted and removed from my credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately. If adverse action is taken against me as a consumer, I will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Thank you for your attention in this matter, XXXX XXXX XXXXXXXX Without prejudice, All Natural Rights Reserved

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 2025-02-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer.

I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt, and during this time, all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt, it shall be deleted and removed from my credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately. If adverse action is taken against me as a consumer, I will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Thank you for your attention in this matter, XXXX XXXX XXXXXXXX Without prejudice, All Natural Rights Reserved

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 2025-02-19 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I tried using my card Friday XXXX, XXXX  to pay for my parking spot and it kept being declined. I called Citi Bank to find out what happened after XXXX hour waiting on the phone they told me they had frozen my account for no apparent reason. It has been almost XXXX weeks now and after several attempts to understand what is happening they keep transferring me from XXXX department to the other without a clear answer. I could not change my direct deposit in time before my last pay day on Friday, XXXX and they can't either confirm if they have my money or not. I spoke with them XXXX times today and when asking this guy XXXX just to confirm my direct deposit status he hangs up the phone on me. I have been XXXX  days without access to my well earned income and Citi Bank makes no effort whatsoever to provide you with any explanation or solution. They keep telling me I will receive a letter in XXXX to XXXX  days but what should I do in the meantime while I have to pay for my expenses digitally. This is unacceptable!

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 2025-02-19 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dispute Regarding Improper Reporting and Statute of Limitations Violation by Wells Fargo Bank, N.A. ( WFBNA ) To Whom It May Concern, I am writing to formally dispute inaccurate and improper reporting by Wells Fargo Bank, N.A. ( WFBNA ) on my credit report. Additionally, I believe WFBNA has violated the statute of limitations applicable to this account. I am requesting Heres a properly formatted letter based on the information you provided. Please ensure all details are accurate and complete before sending : Dispute Regarding Improper Reporting and Statute of Limitations Violation by Wells Fargo Bank, N.A. ( WFBNA ) To Whom It May Concern, I am writing to formally dispute inaccurate and improper reporting by Wells Fargo Bank, N.A. ( WFBNA ) on my credit report. Additionally, I believe WFBNA has violated the statute of limitations applicable to this account. I am requesting that the CFPB investigate this matter and ensure that WFBNA corrects its reporting and complies with all applicable laws.

**Account Information : ** - Creditor Name : Wells Fargo Bank , N.A . ( WFBNA ) - Account Number : - Statute of Limitations Expiration Details of the Dispute 1. Improper Reporting : WFBNA is reporting inaccurate information regarding this account on my credit report. Specifically, improper reporting charge off written off and still carries a balance. Debt is not mine. This inaccurate reporting is harming my creditworthiness and ability to obtain credit.

2. Violation of Statute of Limitations : The statute of limitations for this account has expired Under New Jersey state law, the statute of limitations for this type of debt is over 6 years and reporting inaccuracies Despite this, WFBNA continues to report this account and/or pursue collection activities, which is a violation of the law.

- Any correspondence with WFBNA or its representatives regarding this account.

**Requested Actions : ** 1. Investigate WFBNAs reporting practices and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

2. Require WFBNA to correct or remove the inaccurate information from my credit report.

3. Ensure WFBNA ceases all collection activities and reporting on this account, as the statute of limitations has expired.

Please acknowledge receipt of this dispute and provide updates on the status of your investigation. I expect a resolution to this matter as soon as possible.

Thank you for your attention to 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 2025-02-19 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:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-19 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:
Experian, Equifax and TransUnion has failed to fulfill its legal obligation under the FCRA Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The CFPB has recently filed a lawsuit and fined the bureaus for not properly investigating disputes. I am requesting immediate corrective action to remove the disputed accounts, as Experian, Equifax and TransUnion violated federal law and my rights as a consumer. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Experian, Equifax and TransUnion has failed to fulfill its legal obligation under the FCRA Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The CFPB has recently filed a lawsuit and fined the bureaus for not properly investigating disputes. I am requesting immediate corrective action to remove the disputed accounts, as Experian, Equifax and TransUnion violated federal law and my rights as a consumer. 

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