vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I, XXXX XXXX, am a Consumer/Natural Person. Navy Federal, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that Navy Federal has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking specified remedy as a Consumer/Natural Person. I am demanding the following : Stop illegal negative reporting activity to ALL consumer reporting agencies and report as positive reports. 
Cease communication and use of my intellectual property, unless it pertains to the remedy for violations that occurred. Any further communication with the Consumer must be in writing, delivered via mail to the mailing address located below.

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands within 14 days of receipt of this notice shall : ( a ) be taken as tacit agreement to the claims set forth, ( b ) grant the Consumer all demanded remedies, and ( c ) may result in litigation XXXX XXXXXXXX Consumer/Natural Person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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 2022-11-28 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has viloated my federal protected consumer rights 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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MD

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-28 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MD

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MD

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-28 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Identity Theft Victim in offense of identity theft ; which prohibits " knowingly transfer [ ring ] or us [ ing ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ). 

-Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C . 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties -- in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture.

Other Violations : Fair Credit Reporting Act The Privacy Act of 1974 15 U.S.C. 1681 g ( e ) Identity Theft and Assumption Deterrence Act Ala Code 13A-8-190 Ala Code 13A-8-193 Ala Code 13A-8-194 & 195 Ala Code 31-13-14

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 2022-11-28 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: LEXISNEXIS
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Identity Theft Victim in offense of identity theft ; which prohibits " knowingly transfer [ ring ] or XXXX [ XXXX XXXX, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ).

-Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C . 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties -- in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture. 

Other Violations : Fair Credit Reporting Act The Privacy Act of 1974 XXXX U.S.C. XXXX g ( XXXX ) Identity Theft and Assumption Deterrence Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent a dispute letter addressed on XX/XX/XXXX, XXXX, as my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

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 2022-11-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent a dispute letter addressed on XX/XX/XXXX, XXXX, as my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never applied for the companies.

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 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MD

Complaint narrative:
XXXX shipped part of my order and the Discover credit card denied my dispute on the invalid evidence provided by XXXX. On XX/XX/XXXX, I purchased XXXX XXXX laptops with order # XXXX on XXXX and XXXX {$490.00}. XXXX shipped it through XXXX tracking # XXXX. On XX/XX/XXXX, I received this package and found only XXXX laptop. I contacted XXXX immediately, but XXXX refused to issue a refund of {$240.00} and told me to dispute it with my financial institution. So on XX/XX/XXXX, I started a dispute about this order charge transaction with my Discover credit card. I provided XXXX pieces of evidence, the first was the XXXX website description of the XXXX laptop I bought, which showed the net weight of XXXX XXXX laptop was XXXX, I bought XXXX of these laptops, so the weight of my package should be over XXXX, and the second piece of evidence was XXXX  proof of delivery, it showed the package I received was only XXXX. However, Discover denied my dispute because XXXX replied that they had issued a refund on XX/XX/XXXX. I continued my dispute and provided the refund email from XXXX as evidence because the refund I received on XX/XX/XXXX was for my XXXX order placed on XX/XX/XXXX, not the order placed on XX/XX/XXXX. However, Discover insisted this transaction was valid and told me this was the final review, and I was unable to appeal anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MD

Complaint narrative:
My rights are being violated by the following credit reporting agencies Equifax, XXXX and XXXX. I never gave them any consent or any written authorization to report any of my private or personal information. By law ( Bad Credit is illegal ) according to 15U.S Code 1681b ( 2 ) CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : Permissible purpose of Consumer Reports : In accordance with written instructions of a consumer to whom it relates or an order, a subpoena issued in connection with proceeding before a Federal Grand Jury. I have tried to get this matter resolved serval times and have been unsuccessful. This is affecting me mental and financial and this is also discrimination of my credit history creditworthiness according to the law 15 USC 1691 scope of prohibition : I demand that all accounts and inquiries are reinvestigated for the proof of my authorization of my written consent I demand the removal of all items. For Each Violation that is not reinvestigated you will owe me {$1000.00} for each Violation found. # fcraviolation # fdcp # consumerlawsrights # consumerlawsrights FCRA SECTION 604 ( a ) since there's no written consent that's considered identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
The debt collector Fein, Such, Kahn & Shepard P.C. is collecting a debt from me for unpaid tuition. For almost a year they have not complied with my requests for an itemized statement of the debt. They have sued me to garnish my paychecks and I still dont have access to the amount I owe. They are charging late fees, interest, and other legal fees but have totally refused to tell me what the interest percentage is or show me a statement of the charges that have incurred since they acquired the debt. I have been compliant and make all of my payments on time and they continued to garnish my wages and charge late fees with no explanation and havent sent me a statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
I have sent Toyota Motor Credit Corp. an invoice on XX/XX/2022. This invoice is a breakdown of charges for the violations committed by this company. There will be an attached copy of the invoice sent previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Citibank on or about XX/XX/2022 sent communication to my residence stating that they were closing my account without explanation as to why. I am out of the country so I did not find out until later. I immediately demand return of my substantial moneys in that account without delay. In addition to this complaint I will be seeking relief through state and or federal court once I figure out the proper venue. This is unacceptable They would not provide any explanation and I believe they are withholding the intro bonus to which I should be entitled. All k ever did was make some transfers between brokerage accounts such as robinhood and their in house citi self directed investing. They have numerous complaints on Internet forums and anecdotes claiming they do not return money promptly XXXX I do not want to become a casualty of this.

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 2022-11-28 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: DC

Complaint narrative:
I Notice some Fraudulent inquires on my credit report that I did not Authorize please remove it immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Although we received an initial COVID-related forebearance, we were misinformed by the mortgage servicer about important changes set forth by the XXXX XXXX XXXX or ( the HFA ) which is applicable for this federally-backed loan serviced by Wells Fargo ( the Servicer ) and have been taken into effect since XXXX of last year. According to the measure, based on the date of the initial XXXX Forebearance and the fact that the National Emergency is thereafter to be extended by XXXX XXXX in early XXXX which should have given us a payment extension to XXXX months ( not XXXX months ). Without the instructions we received from an XXXXapproved housing counseling agency, we would be kept in the dark about more rules which otherwise should have been provided us more available options that fit our situation best as part of their service. As we learn, we continue to believe that the mortgage servicer has been repeatedly providing tremenduous disservice to homeowners like us. Plus, the correct date when we received the approval for our first payment extension was on the XXXX XXXX XXXX ( not the 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