vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as XXXX, XXXX, and Experian, must carry out their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. As the consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which articulates Congress 's policy that financial institutions must actively and continuously uphold customer privacy. Under the definition provided by this title, a " furnisher of information to credit agencies '' is considered a financial institution. Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the relevant consumer. I want to make clear that neither the financial institution nor the consumer reporting agencies ( XXXX, XXXX, and Experian ) have my consent to furnish this information, and they have never obtained my written consent through any means. Consequently, any and all consent granted to these entities is hereby revoked. Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise the nondisclosure option. I assert that the " furnisher of information to credit agencies '' failed to inform me of my right to exercise this option. Highlighting 15 USC 1681 ( c ) ( a ) ( 5 ), it is explicitly stated that a consumer reporting agency may not include certain adverse items of information in a consumer report without authorization. The inclusion of adverse items without my permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that furnishing inaccurate information to a consumer reporting agency is prohibited. XXXX and Experian are not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681 ( e ), designed to avoid violations of relevant sections. Finally, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at any time.

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 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Between XXXX XXXX I had a purchaser send {$500.00} through PayPal for a purchase. Once she did that PayPal said I didn't have a business account so she would have to send an addtional {$400.00} and then it would be refunded to her when the transaction was completed. She did that. I then got an email to go into my account and set up the {$400.00} refund. I tried for over one and a half hours and it would never go through. So they then told me I would have to get an XXXXXXXX XXXX  card for {$400.00} and send them the info on it then the funds would be released to both of us. My original {$500.00} and her overpayment of {$400.00}. So I made a special trip into town ( we live in the country ) and purchased the gift card and sent the requested info. Then they emailed me and said I needed to purchase an additional gift card for {$300.00} for Certification Fees. So I made another special trip into town for another gift card. Sent them the info on it. Then I get an email that : " We have gotten the certificate fee of {$300.00} you sent via XXXX XXXX  card but we are unable to separate the payments as they have been added to our database and all the funds are pending now and to be credited to your PayPal account, we can't proceed to release the funds with your initial pending payment of {$1600.00} USD. Once you make the payment of {$400.00} USD for VAT Charges by purchasing an XXXXXXXX XXXX  card worth {$400.00} your account will be credited. '' I returned an email requesting a refund to both the customer and myself as I did not have access to another {$400.00}. They refuse to refund and just keep telling me to purchase another {$400.00} XXXXXXXX XXXX  card and funds will be released. At this point it is now XXXX XXXX. 
All I want is my {$700.00} back that was paid in good faith and the customer to be refunded the {$900.00} she has paid. At his point PayPal as received {$1600.00} for a transaction that started out as {$500.00}. And will not refund any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX XXXX  a withdrawal from a XXXX XXXX ATM was done from my account in the amount of XXXX. 
In reviewing my account on the XXXX over the phone I heard the transaction. I immediately called the bank and was told they couldnt help I need to go a branch. I when to the branch and spoke to a lady and the branch she pull up my account and told me the transaction was done with my card and PIN number I showed her I had my card d and I didnt make the transaction. She said would cancel my card and issue me a new one and the matter would be investigated. I waited another 10 days and still didnt hear anything. I call and was ask for a claim number that I didnt have because the women didnt give me one. The person on the phone told me to call my in another day and ask for a claim number. I got really upset and started calling different departments at TD. I wrote a complaint to XXXXXXXX XXXX XXXX  and outline my complaint. I received a phone call from XXXX who informed me my claim was denied because my PIN number was use and thy checked the chip. I was insulted because I knew I didnt make the transition and had the card. XXXX told me to contact XXXX and give me the information referring to the transaction ie the number that was listed on my account for the transaction. I contacted XXXX and they were very nice but couldnt understand why the fraud dept from TD didnt contact them. They couldnt help me because I wasnt there customer. I try again to get TD to contact XXXX so the fil could be reviewed and show the transaction was not made by me. Its been greatly publicized that scammer can duplicate card an obtain PIN number in many different way. TD will not acknowledge thats this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There was a vehicle purchased in my name and I haven't purchased a vehicle in XXXX decades or more. This was a huge truck fully loaded for a big strong man, I'm a small woman my height is XXXX and I don't buy vehicles because the car payments are XXXX high. I'm XXXX living on a fixed income and I only get paid once a month. I could get approved for a vehicle that expensive in my dreams. The bank is XXXX XXXX and I told them it's 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 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Two companies are involved in what we suspect is predatory lending with a senior citizen in poor health and in debt. XXXX ) XXXX XXXXXXXX XXXX and 2 ) Dividend Finance. My mother was a senior citizen, XXXX XXXX XXXX and in poor health as well as struggling with XXXX. She was sold a 'top of the line " walk-in bath tub for {$23000.00}. The bath tub was installed early in XXXX XXXX XXXX Just a few weeks later, my mother passed away ( XXXX XXXX XXXX  ). She never used the tub. In XXXX XXXX I was granted court approval to handle her affairs as the Administrator of her estate. My mother did not have the income to ever fulfil paying off this loan in her lifetime. She was on a fixed income, living in a house with a reverse mortgage and leveraged deeply with debt. We have asked Dividend Finance several times to supply us with a copy of the loan application and a credit report application that justified her being able to secure a loan for such a large amount. They have not complied with our request. We have attempted numerous times to reach a senior person in this company. We are directed to a different person every single time we call with no accountability or follow-up. They say they will call us back, but never do. They do not respond to emails and there is only one general service telephone number to call. When we call, we just get a first level customer service person who pass on messages. 

We have to believe this is part of their business model-to target elderly folks in poor health, as they know they will get their money post-mortem. Please Note : The Sales Rep from XXXX was aware of the squalid conditions my shut-in mother lived in. What protocols are in place for XXXX to determine that their customer is in good financial standing and sound mind to make such decisions on such an expensive purchase? We believe the XXXX Sales Rep also assisted my mother in completing the loan paperwork. There is a lot to question on how both companies conduct business. 
PLEASE NOTE I WAS UNABLE TO PROVIDE A LOAN NUMBER BECAUSE DIVIDEND HAVE THUS FAR REFUSED TO SEND US A COPY OF THE LOAN APPLICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian, Experian Rentbureau, and XXXX  continue to report an alleged eviction and charge off from XXXX XXXX XXXX XXXX which caused me to be denied credit which is my right. These damages caused me housing and furthermore neither company has my consent to report anything about me. XXXX will not respond to my disputes written or in this CFPB portal. It is against the law to release my information without my written consent furthermore you're trespassing upon copyrighted and trademarked property. XXXX states they are sold information from Experian and that is who verified the information but I have received no proof from either that they have submitted for me to validate this debt. Experian, Experian RentBureau, and XXXX is selling my information therefore you need my permission as it is my proprty and I have given no such consent written or verbal. I did not sign up for your companies to report anything about me.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Information furnished by XXXX XXXX XXXX from my Bank of America Account is a violation to my rights protected by the FCRA and Privacy Act of 1974. Due to the fact they have took it upon themselves to share my private information without my consent in written format requesting for this furnishing to happen ( I opened an account with them in 2017 ). Under 15 USC 1681b Section 604 ( 2 ), and 5 USC 552 ( b ) Privacy Act of 1974, the conditions for disclosure is, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I am receiving emails form a company called Radius Global Solutions LLC ( email address is XXXX. They have not written me any letters or called me. The email claims I have an outstanding debt with Creditor : XXXX XXXX. I have no idea what this company is, I have never purchased anything from them. The email gives no information except that name and a total debt of {$110.00}. 

I have no debt. I don't own a home, my car is paid off, I have no outstanding medical bills, etc. I pay off all of my credit cards in full before the payment due date. 

The emails from Radius Global Solutions LLC have never included my mailing address in them, so if they have mailed a letter to an old address, I have no way of knowing. Their emails have not given me a date when the debt is due, or a 30 day notice date of when to submit a debt dispute to them. I am hesitant to mail them a dispute letter, because I do not want them to have my address. It seems like this is a scam, but it is possible that my identity was stolen. I've also read reviews of this company that say the debt showed up on their credit reports, and I do not want that to happen. Thank you! 

Note : Their email is address to XXXX XXXX ( that is my maiden name ). They sent it to another of my email addresses, XXXX. Not an official email that I would use with any medical, car, home, credit card companies, etc.

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