vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gregg M. Horowitz, P.A
State: FL

Complaint narrative:
I received a suspect letter in the mail. It arrived in a plain white envelope with no return address. The letter was a poor attempt at an official looking document.It had no signature from a Judge or magistrate or any official stamps or marking from the clerk. The letter was fraudulent. I made contact with the Sheriff 's Dept of the county on the letter about a company sending letters from the court that fraudulently being sent. I was told to disregard. Several more came so I disregarded them. 
On XXXX XXXX I was served an XXXX XXXX XXXX With the threat of XXXX  if I did not appear. 
I have no knowledge of a debt or judgement against me from XXXX. A debt validation letter was sent asking for information on the original debt because it could be fraud or identify theft. The collection agency ( debt buyer ) said the did not have to comply. 
The insufficient and in proper service of process was a blatant and deliberate tactical use of the court proceeding to gain a favorable ruling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, 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: VA

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 finish 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 XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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 finish 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 XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to purchase a camera from a seller on XXXX  and sent a payment to the amount of {$550.00} on XX/XX/2022 via XXXX through JP. Morgan Chase. The transaction proved to be fraudulent when the next day ( XX/XX/2022 ) i contacted the seller and discovered that the item was never in their possession to begin with. I tried to get my money back from them and they refused and ceased contact. I tried to dispute the charge with the back but they claim not to be able to recover funds lost to scams. I then researched similar scams and found steps to take to dispute/recover scammed funds and am now filing this complaint for help doing so. 

Below is attached a screenshot from the seller confirming my payment for {$550.00}, my name included. And what I assume to be other similar scams done to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On credit carma it told me i was pre approved for two credit cards. So i filled out for both of them. I was not accepted to either one and it put inquiries on my report which made my credit score drop. I only filled it out because ive never had a credit card before and it said it would raise my score if i got one but it made it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX - XX/XX/XXXX Wakefield & Associates {$2800.00} XX/XX/XXXX XXXX XXXX {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from Professional Debt Mediation , Inc ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) stating that they are debt collection agency, and they want to collect {$850.00} I allegedly owe to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

I replied them within 30 days ( on XX/XX/XXXX ) providing that I dispute this implication. I don't owe this amount to XXXX XXXX. I provided reference to lease agreement I had with XXXX XXXX, showing that charges they want to charge me are not based on the contract. All the lease payments, and also utilities, are paid in time ( and they're not disputing this ). They want to charge me for some cleaning, repair, carpet change, and other services, which I have no obligation to pay for. 

I also stated that there was no proof of move-out inspection ( which must have been according to XXXX of the contract ), nor any proof showing that I agreed with those charges, or ordered such services. 

On XX/XX/XXXX I received another letter from Professional Debt Mediation. They just attached the lease contract and XXXX 's account ledger. They didn't answer or argue to any of my references to the contract, and didn't provide any proof that I owe this money to XXXX. 

On XX/XX/XXXX I replied them again, pointing out that ledger is just an internal document of XXXX, they may add whatever they want, and it proves nothing. I asked them again to provide any proof with reference to the contract or any other valid document ( service order, move-out inspection document ) proving the debt. 

They didn't do it, instead they sent me another letter, titled 'Debt Validation ', which haven't had any proof, or contract reference, or any relevant answer to my dispute. They just attached the ledger and the contract again. 

They sent the same letter recently again ( on XX/XX/XXXX ). I also found that they put that 'debt ' which they can't prove into Credit Bureaus XXXX harming my credit score.

So I not only have to waste my time and nerves to reply to those false accusations, I also suffer economical damage, as their false report harms my credit score.

Please help me dealing with them, as they're a big organization, sending templated letters, and trying to get money I don't owe without having any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB
State: MO

Complaint narrative:
This complaint is in connection with previously filed complaint ID # XXXX. 

KLARNA of XXXX XXXX XXXXXXXX XXXX, OH XXXX @ XXXX Responded to one 's complaint # XXXX on XX/XX/2022 saying they need more time to investigate. That is perfectly fine as long as all fraudulent collection action is ceases immediately. However KLARNA is still using and threatening use of violence or other criminal means to harm the physical person, reputation, or property of one and is DIRECT VIOLATION of 15 USC 1692d ( 1 ). 

On XX/XX/2022, one received a dunning letter from KLARNA with threats to refer this alleged debt to collections. KLARNA is a debt collector. Send any debt valid or not valid is a DIRECT VIOLATION of one 's federally protected consumer right to PRIVACY under 15 U.S. Code 6802 which declares... 
" ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' One is bering violated under these notions. 

One has not received validation of this debt in accordance with the laws listed in the FDCPA and the FCRA. One and one 's family has been damaged and injured from this failure to perform by KLARNA and one alleges KLARNA has devised a device and mechanism of deceptive and misleading practices. This is ones notice of intent to file suit against KLARNA in US District Court be it KLARNA is in DEFAULT, so be it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I requested the credit bureaus ( XXXX, XXXX and TransUnion ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with Transunion, XXXX, and XXXX about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( XXXX : XXXX, XXXX : XXXX, TransUnion : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that XXXX, XXXX, and TransUnion are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 


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 company can not furnish an account my without my instructions or consent.

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 2022-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Southeast Toyota finance incorrectly billed me for over {$500.00} and then reported to the credit reporting bureaus that I was delinquent in XX/XX/XXXX. 
This has hurt my credit score and caused a big waste of time. 
The incorrect bill for {$500.00} was due to a clerical error that they made internally and incorrectly billed me for wear and tear on a vehicle from previous lease several years ago. 

I have tried since XX/XX/XXXX to correct the mistake with them over numbers phone calls. Finally I was told XX/XX/XXXX that the problem had been fixed and I did not owe anything nor would have my credit damaged. 

This month my credit dropped XXXX points on transunion and shows that I am incorrectly delinquent with XXXX 

This is not the first time that XXXX has made a large mistake and hurt our family. It is the second time and I believe that US regulators should fine and revoke XXXX 's license to operate in consumer finance. 

Please help me by restoring my credit score to + 800 like before this happened and correcting XXXX XXXX mistake to properly show that I am current and in good standing. 

Reference XXXX account number XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Debt not validated and as such should be deleted XXXX XXXX XXXX  Original creditor : XXXX  BANK Balance {$5400.00} Balance updated XX/XX/2022 Original balance {$5400.00} Wrong dates and as such should be deleted off my 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a natural person, I am a living human being. I have right under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the inquiries listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these inquiries. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX  completed a background check ( consumer report ) and there are 2 addresses in the report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
It was an impossible but obvious error on my Citibank checking acct : A check ( # XXXX ) I wrote to pay a merchant was cashed twice on a same day ( XX/XX/22 ), for the amount I wrote, {$7300.00}, and another {$730.00}. I called Citi the next day and a rep named XXXX agreed to correct the error, saying the next XXXX  ( XX/XX/22 ) the credit of {$730.00} would be on my acct. But it hadnt happened until XXXX  ( XX/XX/22 ) when I called it again. A rep named XXXX ( who was nice ) with her supervisor ( who sounded quite inpatient ) said they'd credit it back to me next XXXX  ( XX/XX/22 ) ; but the {$730.00} debit is still shown on my acct today XX/XX/22 ). Nothing happened, no call and no email ( as they said they'd do ). I'm requesting Citibank to remedy the error by paying me {$300.00} for its ongoing negligence as well as crediting the {$730.00} to my account.

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 monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I am writing and standing in the gap for my mother who is unable to stand up for herself. 

She got her mortgage in XXXX. Someone sold her mortgage to Mr. Cooper and started her payments over with a new mortgage. Someone walked away with {$100000.00}. My mom is having health issues and is unable to make complete payments on a mortgage that we believe is almost fully paid. Please let me know what the next steps are to get justice and see that Mr. Cooper and Nationstar are held accountable for stealing from the elderly. Also, her signature is forged and her name is misspelled on the signature line. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRES REPORTING ON MY CONSUMER REPORT. CAN YOU PLEASE INVESTIGATE AND CORRECT THESE ISSUES. 
I AM A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. INQUIRES : THE XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation