vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I have sent PDQ services several letters in the mailing ask them to send over a contract. They have all mentioned that they have sent over an itemized bill, which is unacceptable. Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified ; you are obligated by law to remove the item. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. This needs to be deleted from my credit report immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: FL

Complaint narrative:
A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA 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.

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 2023-04-11 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: FL

Complaint narrative:
A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 XXXX XXXX {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 DISCOVER BANK {$190.00} XX/XX/2023 XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had {$3100.00} withdrawn from my checking account in five different payments from XXXX. I contacted Chase 's fraud department and after almost a week they claimed all the transactions were authorized even though I never got notified and wouldn't give me my money back. 

All five were taken out of my account on XX/XX/2023. Amounts were : {$900.00} {$950.00} {$920.00} {$130.00} {$220.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam and Im really devastated. I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a XXXX scheme. 
Here is the link to the fake website XXXX XXXX My funds sent to Crypto.com were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. I tracked the downstream wallet, which was reported multiple times for fraud. I contacted Crypto but they did not do anything to investigate and/or freeze the fraud wallet. I have reached out to Crypto for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. I need assistance at this difficult time. My police case number is XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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:
I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. These letters were sent XX/XX/XXXX for which I have certified mail receipts. It has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature. 

This complaint was originally sent and received by EQUIFAX on XX/XX/2023 to which the Company failed to respond with proper verification or presentation of permissible purpose for any of the alleged inquiries to be furnished upon my consumer report within 30 days. They responded on XX/XX/2023, which is well after the 30 days response timeframe. They also completely failed to present " My WRITTEN CONSENT/PERMISSION '' to furnish such alleged information. An identity theft report was also filed for they assume " My IDENTITY '' for they openly violate my rights to privacy and continue to do report information in my name that I have NOT given WRITTEN/PERMISSION for. 

This is clear violation of 15 USC 1681b ( 2 ) and has resulted in several months now of violations concerning consumer 's ( XXXX XXXX ) RIGHT TO PRIVACY and also DEFAMATION OF CHARACTER. 

Each of the illegally furnished inquiries result in a violation that is equal to {$1000.00} violation per 15 USC 1681o Civil Liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Transunion is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681, I have the right to privacy and I did not give Transunion written permission to furnish these accounts. Account XXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-04-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I am writing to make a complaint against ally bank. In doing my taxes last week, I found out by looking at my XXXX forms thatAlly had closed all my CD accounts, including those for which the due date had not arrived, without my permission, and had penalized me. I early XX/XX/XXXX I had called in order to close XXXX accounts ; the XXXX  which had matured on XX/XX/XXXX, and also the high yield savings account. WHile I do not remember the conversation, I know I did not ask to have all my accounts closed. I know this because it would have been a costly mistake. I had on account due to mature on XX/XX/XXXX, so there is no way that I could have thought it was in my interest to close it early and incur a penalty. In addition, I was not short of money ; as a XXXX adult I have never had less than {$4000.00} in the checking or savings. In addition, the interest rates on all my accounts was over 2 %, so it is unlikely and uncharacteristic that I would have incurred a penalty to close any of them early. THe bank says they have recordings of all my conversations. I spoke to a bank representative, I believe on XX/XX/XXXX who said she would listen to them and call me back, but no one has done so. Please listen to the recording ( XXXX ), and determine for yourself whether I asked for all my accounty to be closed. If not have the bank refund me {$1100.00}, {$300.00}, and {$210.00}. Please ascertain whether the bank representative was asking me irrelevant or inappropriate questions that might have contributed to their misunderstanding and take such questioning into 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 explanation
Consumer complaint received 2023-04-11 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: MO

Complaint narrative:
On Monday XX/XX/ via us mail I received a " Notice of Data Breach '' from XXXX XXXX they allowed my personal information to be breached and now will be a part of a class action lawsuit as they deserve! However in their letter XXXX XXXX offers me one year of Experian " XXXX XXXX '' free of charge paid for by them but when I attempted to enroll with Experian " XXXX XXXX " they said they can not verify me? And refuse thus far to enroll and take advantage of this free identity theft protection paid for by XXXX XXXX for their failure to protect my personal identifiable information XXXX XXXX should be ashamed and Experian should immediately permit me access to said protection.

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 2023-04-11 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: OH

Complaint narrative:
Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. 

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 1

5 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been paying down my debt on my TD Cash Card and the interest rate was going down until today i noticed that the bank increased the interest rate almost XXXX XXXX. When i called them up they told me that the interest rate was variable. 

I can respect that but for two things : there was no interest rates increase from the fed in the time the bank decided to increase the interest rate on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Sent a letter correspondence to FedLoan and the US Department of Education regarding reimbursement for payments I made AFTER my effective date of my VA 100 % Total and Permanent XXXX. There were XXXX letters sent on : XX/XX/XXXX and XX/XX/XXXX. 

I called XXXX on XX/XX/XXXX regarding this matter, as I received NO response from FedLoan or the US Dept of Ed. regarding my reimbursement and was advised that I have to contact FedLoan directly. I then called Fedloan on XX/XX/XXXX who advised that I have to call the Department of Education regarding my reimbursement. I called the US Dept of Ed, who advised that the reimbursement must come from my borrower- FedLoan. I called them back and they were not helpful. 

I then sent a letter correspondence to FedLoan ( again for the XXXX time ) as well as to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter on XX/XX/XXXX. As of XX/XX/XXXX. I have NOT received a response from anyone. 

My effective VA 100 % Total and Permanent XXXX was XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$100.00} ; on XX/XX/XXXX for {$1000.00} ; and on XX/XX/XXXX for {$910.00}. The full amount to be reimbursed is {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was basically closed due to overdraft fees that were applied

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