vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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:
XXXX XXXX XXXX account # XXXX 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 an account without my written instructions They are not able to provide me original contract with my signature, also this account has reached statue of limitations and should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
There has been a credit card application that was applied using my name. When I go by and use a different name. It was made on XX/XX/23. I did not apply for a this FNB Omaha credit card. It was denied thankfully but it wasnt me that applied for it. I have called XXXX and they told me to report this through here and submit my report form this to them with my ID confirming my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Hi, It is my understanding that a debt collector must furnish a letter within XXXX  days of contacting you. According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX  days after receiving the notice, the debt collector will assume that the debt is valid. Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a five-day letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX  times after the initial contact. I am retired and living on Social Security as my sole source of income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the Equifax and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated.

I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY and send me {$1000.00} for all damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and Experian got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated.

I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY and send me {$1000.00} for all damages.

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 2023-02-09 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: Klarna AB
State: NC

Complaint narrative:
My SIM card was hacked XXXX2023. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my apps XXXX account, Klarna account, XXXX XXXX  accountXXXX XXXX  accountXXXX XXXX XXXX account, XXXX XXXX account and credit card, XXXX  credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX2023 while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases on Klarna using my XXXX  credit card. I did not make almost {$100.00} on After pay using my XXXX  credit card, this card has been canceled and they are mailing me a new one due to fraud. This is going to effect me from buying a home if this isnt resolved this isnt my fault at all. You need to track and see who did this and dont allow them to receive what they purchased using my credit card through Klarna and XXXX XXXX This needs to be taken serious and when I call in to speak to your agents or email they are extremely rude and give me a hard time like Im lying. This needs to be investigated and find out who did this please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: ZuntaFi Corp
State: TX

Complaint narrative:
XX/XX/2023 amount XXXX account # XXXX I never agreed to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted information to Equifax its been months they have shown incorrect information and refuse to update it when the creditor corrected this issue months ago.I would like to seek legal action.My credit score and ability to apply for credit has been an issue and they have yet to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
RMP services has sent a medical bill to XXXX before 6 months by the old law but definitely not following the new law passed XXXX XXXX, which states you have 365-days from when the collection agency ( RMP ) has received the original debt XXXX XXXX XXXX XXXX RMP received this debt on XXXX XXXX, the medical treatment was on XXXX. If that is my bill cause I didnt receive an itemized bill from them. RMP turned that medical debt into all three credit companies, XXXX, XXXX and XXXX, on XX/XX/2022 that is two months after they received the original debt. XXXX and XXXX are the only ones reporting this. Ive received out but getting no where. This is really affecting me cause Im in the process of buying a home. I just want my time that by law Im entitled to. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
About XXXX unauthorized transactions were made against my Chase checking from a website called XXXX XXXX totaling XXXX {$3000.00} which left my account overdrawn. Chase sent me a message stating they blocked 1 transaction of {$510.00}. I immediately checked my account and called Chase Bank and had my card cancelled and filed a dispute for the XXXX unauthorized transactions. Chase Bank only gave less than half the money that was stolen. I then called them back and they said there was nothing they can do because it doesn't look like fraud and couldn't explain why they gave some of it back. I called them 3 different times to inquire about the status of my dispute and they gave a different explanation each time and they kept insisting there was nothing they could do about it and they still owe me {$2000.00} and I live on Social Security and that all the money had to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-02-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-02-09 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: Source Receivables Management LLC
State: MI

Complaint narrative:
Source, receivables management Account XXXX XXXX This company is in violation of my rights and this account should be removed immediately Receivables performance management 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 agency can not furnish an account without my written instructions. 

The following alleged collection account is listed as having a PAST DUE BALANCE of XXXX XXXXXXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

This account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am an active participant in the XXXX  XXXX program since XX/XX/XXXX I was approved on XX/XX/XXXX for Mortgage, Utility and HOA assistance. 

My previous loan servicer XXXX XXXX reported my account as late and they have yet to apply the funds to my account. It was admitted that they received a check on my behalf, however returned the check because of a discrepancy in the amount. The amount was " too much '' as confirmed by Loss mitigation- so they sent the check back and within 5 days reported my account as late. 

According to new regulations, servicers aren't supposed to penalize and adversely report late payments to credit bureaus knowing the applicant is both participating and approved for payments.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2023, I was the victime of a XXXX scam and lost {$1500.00}. This person used a stolen/hacked XXXX account to advertise XXXX XXXX concert tickets for sale for the XX/XX/2023 event in XXXX, Ohio. The " seller '' was posing as XXXX XXXX XXXX. I later contacted another person with the same name on XXXX and she confirmed that her account had been hacked two years ago. 
I contacted the " seller '' via XXXXXXXX XXXX in order to purchase XXXX tickets. They asked for payment upfront via XXXX in exchange for all of the tickets being transferred to me via XXXX. I sent two payments directly from my checking account via XXXX - one for {$1000.00} and a second for {$500.00} - vas instructed. The payments were received. After confirmation that payment was received, this person disappeared from my messages, leaving me unable to contact them or view their " profile '' on XXXX. I never received the concert tickets. 
The first transaction was to XXXX XXXX or XXXX XXXX in the amount of {$1000.00} via XXXX and sent to email address : XXXX The second transaction was to XXXX XXXX in the amount of {$500.00} via XXXX and sent to email address : XXXX I contacted my bank, Huntington, about recovering the funds but they would not do anything to help me. I have also filed a police report but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is my second complaint I am filing with the CFPB against Wells Fargo related to the current CFPB fine and settlement regarding denying Wells Fargo mortgage customers loan modifications and the financial harm and repercussions thus associated. 

Wells Fargo closed my first CFPB complaint saying they now need the following four items per a XXXX   delivered letter I received in the mail from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. Please provide the complete customer name on the account. 
XXXX. Please provide the complete account number. 
XXXX. The recorded Security Instrument and all assignments. 
XXXX. Copy of the complete credit report about the open lien. 

I called and spoke with XXXX on Tuesday, XX/XX/2023 at ( XXXX ) XXXX and she gave me the run around saying once again that based on my Name, Property Address of the Mortgage and SSN Wells Fargo could not find my account because it has been purged. She then said I would need a copy of the Deed of Trust, Security Instrument and Credit Report so they could locate my account. 

The following day I paid for a copy of the Deed of Trust notating my Account Number and Security Instrument number. I also pulled my Credit Report. 

This morning, Thursday, XX/XX/XXXX I called XXXX XXXX to provide her again with my Complete Customer Name on the Account and all other requested information. She said I would need to mail or fax them, she does not accept email. In fact her entire department does not accept email from outside of Wells Fargo. 

So, I went ahead and paid money out of pocket to fax her the documents at her confirmed fax number ( XXXX ) XXXX this morning. I asked when I would hear back and she said once the Deed of Trust was received, she would open a new investigation and it would most likely be assigned to a new case XXXX. 

So, once again I am bearing the burden of proof and given the complete run around as to proving I indeed had a mortgage account with Wells Fargo and qualify for the settlement.

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