vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
XXXX. XXXX XXXX XXXX, XXXX XXXX , wrote me a {$200.00} check ( # XXXX ) for food and utilities. 
XXXX. The Check ( # XXXX ) was written against a XXXX XXXX XXXX account. 
XXXX. XX/XX/2023, I cashed the Check at ACE Check Cashing XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX. XXXX, Ace cashed the check for a fee of {$21.00}. 
XXXX. XXXX, Ace Check Cashing notified me that Check # XXXX was returned for NSF ( non-sufficient funds ). 
XXXX. XXXX, I told ACE to redeposit the check for payment and they refused. The asked me to repay the {$200.00} at one of their store locations. I refused because I knew that they would redeposit the check. I did not want to overpay them. 
XXXX. XXXX, I was notified by my brother, XXXX XXXX, that Check # XXXX was redeposited by Ace Check Cashing. It cleared his checking account on XXXX. 
XXXX. XXXX, I was contacted by XXXX XXXX at XXXX XXXX XXXX, XXXX. She informed me that they purchased my debt from Ace Check Cashing. 
XXXX. XXXX, I informed XXXX XXXX that the debt was PAID IN FULL, as Ace Check Cashing redeposited check # XXXX which cleared on XXXX. 
XXXX. My XXXX, XXXX XXXX, provided XXXX XXXX with proof that the check # XXXX cleared his account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXDEPT OF ED Account number:XXXX  Account name : XXXX/DEPT OF XXXX Account number:XXXX  Account name : US DEPARTMENT OF EDU Account number:XXXX  15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 


15 USC 1681s-2 ( A ) ( 1 ) 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 in information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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:
In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXDEPT OF ED Account number:XXXX  Account name : XXXX/DEPT OF ED Account numberXXXX Account name : US DEPARTMENT OF EDU Account number:XXXX  15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 


15 USC 1681s-2 ( A ) ( 1 ) 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 in 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 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc.
State: TX

Complaint narrative:
I've been trying to go in and out of my blockchain wallet and I have not been able to since about the XXXX or XXXX of XXXX I just recently moved a large sum of XXXX into my wallet and I'm having a lot of trouble accessing it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) 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 2023-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
The mortgage ( Planet Home Lending ) company forgot to pay our first tax bill causing that one to be delayed. And then they didn't catch up on our second tax bill, so then our second one for this year was delayed and we were charged interest. Additionally On the escrow accounting they made us pay from our escrow that interest due to the error they made. We have been delinquent in our taxes our entire first year of home ownership, However, we have been paying the monthly payments according to our bill the entire time as agreed. I am current on my payments. Apparently, they messed up their accounting, according to a letter they sent me and now they say I need to pay them even more money to get on track. How can I owe them even more money due to their error? I checked my escrow account there was more than enough money to cover the latest payment and a balance in there. I can't speak with anyone physically at this company. I feel like something shady is going on. I gave them all my money into Escrow trusting they would pay the taxes as agreed and they have yet to make a single payment on time. Also they are now saying some surplus check they sent us in error months ago we have to give them MORE money to fix it? However, our tax bill is already paid now, which is great but none of these bills make sense. They need to be investigated under violations of RESPA. I am asking for your help because not a single human has returned our multiple calls. All I have gotten are letters and not a single human has called me or my husband to explain. We've called numerous times and requested phone calls back and no one has called or attempted to call either of us back. What are we supposed to do when we are paying as agreed and they keep paying our taxes and other bills late and messing the accounting up on our escrow. Please help us. This can't be legal whatever is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX i have been violated of my consumer rights XXXX, XXXX, and Equifax are reporting a ( Bankruptcy XXXX XXXX XXXX on my credit report that need to be deleted and removed they are breaking the consumer law pursuant 15 U.S, CODE 1681b- Permissible purpose of consumer report i never gave them permission to report a bankruptcy and i reached out to the Bankruptcy court and they stated in the attached letter that they are not a reporting agency company that furnisher nor verify information to the 3 reporting agency XXXX, XXXX and Equifax also pursuant to 15 U.S. Code 1681c-2 block of information from credit report i have my attached FTC paper and im giving a statement that the information is not relating to me the credit reporting agency can't verify this is my public record nor did i give them written consent. i will like for the CFPB to resolve this problem before i take legal action with the civil court this public record is hurting my credit report and stopping me from obtaining good credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX i have been violated of my consumer rights XXXX, Experian, and XXXX are reporting a ( Bankruptcy XXXX XXXX  ) on my credit report that need to be deleted and removed they are breaking the consumer law pursuant 15 U.S, CODE 1681b- Permissible purpose of consumer report i never gave them permission to report a bankruptcy and i reached out to the Bankruptcy court and they stated in the attached letter that they are not a reporting agency company that furnisher nor verify information to the 3 reporting agency Experian, XXXX and XXXX XXXXlso pursuant to 15 U.S. Code 1681c-2 block of information from credit report i have my attached FTC paper and im giving a statement that the information is not relating to me the credit reporting agency can't verify this is my public record nor did i give them written consent. i will like for the CFPB to resolve this problem before i take legal action with the civil court this public record is hurting my credit report and stopping me from obtaining good credit

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 2023-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am not liable for this debt with capital one. I do not have a contract with capital one. They did not provide me with the original contract as requested. 

I am not liable for this debt with XXXX  XXXX XXXX XXXX. I do not have a contract with capital one. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
ON MY EXPERIAN REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 2023-08-13 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: NY

Complaint narrative:
XXXX XXXX is my name social is XXXX On my equifax Credit report theor are 10 hard inquiries that are fraud I filed a federal trade commission identity theft report for the 10 hard inquiries please have equifax removed those hard inquiries and regarding XXXX I have 4 hard inquiries that are fraudulent I filed a federal trade commission identity theft report its on file also their arr two negative items that are fraud XXXX and the other negative item has a balance of XXXX please have XXXX removed those 2 remaining negative items that are charged off off my XXXX report I filed a federal trade commission identity theft report its on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Ive had a vehicle with US Auto sales for 5 years ( XXXX XXXX XXXXXXXX ) the car was priced for {$18000.00}. Here it is, once they changed to Westlake Portfolio I now owe XXXX like how?!? Ive been double billed several of times which makes it extremely difficult to keep up with payments. I now have no choice but to surrender the vehicle and take a hit on my credit because the car had a mechanical issue that I reported BEFORE my warranty expired. They waited until it was expired to attempt to fix the issue and then tell me they couldnt cover the mechanical issue because my warranty is up. Now I barely drive the car cause it cost more to keep it then to carpool.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear PayPal Support Team, I hope this email finds you well. I am writing to express my deep concern and dissatisfaction regarding an issue that has recently come to my attention. I have always valued my association with PayPal and the convenience it offers for my financial transactions. However, I regret to inform you that my experience has taken an alarming turn. 

I have recently been informed by your customer support team that an unauthorized PayPal registration has been completed using my personal information. This revelation is not only distressing but also deeply unsettling, as I have had no involvement whatsoever in this registration process. I must emphasize that I have no knowledge of these unknown PayPal accounts, and their creation has been done without my consent or knowledge. 

At this juncture, I kindly implore your assistance and expertise in thoroughly investigating this matter. It is of utmost importance to me that the truth be revealed and the responsible party behind these unauthorized registrations be identified. I am steadfast in my belief that a comprehensive inquiry will vindicate my innocence in this situation. I beseech your support in restoring the integrity of my PayPal account, which has been compromised due to this unfortunate incident. 

To validate my identity and substantiate my claims, I have attached a copy of my State Photo ID with this email. I trust that this document will serve as concrete evidence of my identity and underscore my commitment to resolving this matter diligently. Moreover, I am more than willing to provide any additional information or documents necessary to facilitate a swift and effective resolution. 

I understand that PayPal is committed to upholding the security and trust of its users, and I am confident that your team will handle this issue with the utmost professionalism and care. I appreciate your prompt attention to this matter and anticipate a positive and expedient resolution. 

Thank you for your understanding, assistance, and continued dedication to ensuring a safe and secure platform for all users.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
ON MY EXPERIAN REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
About a year ago but less than a year ago, my flight with XXXX was cancelled and I received a credit for it almost immediately ( it was a XXXX credit allowing me to book another flight ). That credit is valid for 12 months. About 6 months ago a tried to use that credit to book another flight with XXXX but the XXXX routed my from one customer rep to anther to another and yet to another who finally dripped the call without allowing me to redeem the credit. I was discussed by this experience and a waist of 1.5 hours on the phone but hoped for the best knowing i have another 6 months to get this done since i had it in writing that the credit was issued. I tried twice more over the last 2-3 months with similar result. When i contacted TD bank who issued my prepaid credit card i used to purchase to issue a charge back i received a generic response that " no errors were found with XXXX ''. I when i further inquired about logic behind this unexpected response i was told ( but they would not say in writing ) that my claim was more then 60 days from the transaction ( the original purchase of the ticket ). I did explain all of the circumstances as i did here, in a fax i sent to TD bank, that i had no reason to ask for charge back as i was issued a credit for the cancelled flight and the credit wqs supposed to be good for 12 months. Only later i realized XXXX uses this tactic not to pay back what they owe. I'm requesting a {$210.00} form TD bank as i hold them responsible for not looking into this claim in a manner that would be consistent with bank where i keep my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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