vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: V.I.P. MORTGAGE, INC.
State: AZ

Complaint narrative:
This home buying process started in XX/XX/XXXX, we put a hold {$2000.00} deposit down on a new construction the builders, XXXX XXXX We worked with vip mortgage co of XXXX, AZ, the bate team, started construction put a earnest deposit on the home and expected closing was end of XX/XX/XXXX. Turned in everything in a timely manner the loan company asked for, but my retirement money could not be withdrawn. We moved to closing assistance. The date to close moved again to XXXX and issues started we signed purchasing documents XX/XX/XXXX. We done everything in a timely manner. I even purchased home owner insurance in XX/XX/XXXX because vip told me to do buy it for the closing, well we were moving in XXXX to the property, so I just recently cancelled the policy XX/XX/XXXX. Closing set for XXXX. I started noticing wrong address on documents and we signed to lock in interest rates and the officer saying we didnt, dont worry when we sign at closing we can ask all questions then. I was not told my driver rate and the interest rates I was locked in on twice. Where is my withdrawal and why my loan was withdrawn and why builders cancelled on me? XX/XX/XXXX. XXXX we signed another purchase agreement. Closing date moved again then builders and vip stop answering my texts and calls.? I was kept in the dark. Closing date moved again they wanted rent ledgers and income ledgers. Started telling builders we were not co operating. I called XXXX XXXX for updates and she told me vip wants to end the process. Then XXXX XXXX stop answering my calls, texts and emails. I reached out to my realtor which both companies seemed to speak thru her. To speak to me to tell me what I needed to finish. Paperwork turned in as requested the builder set another closing date we were not told the date and the builders closed our closing and will not return our deposit and vip just said its too late we sorry bye! 
I feel discimamated against in my first home buying process. This has been going on for months and we were planning on moving into our new home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
Statement is Stating on XX/XX/XXXX was my beginning balance after cashing my IRS check. They charged 4percent of I believe {$4000.00}. The lady quoted me a lower amount but failed to do so saying that it was her computer and could not correct it. 
The Ace check cashing place did not have enough cash on hand to complete the full amount. Putting {$2200.00} on one of their prepaid XXXX account XXXXXXXX XXXX cards which opened some account. They charged me fees per month just having the card in addition to application fees, and Foreign transaction surcharges. Also, municipal online payments for unknown payments/bills. I can give more details of the exact dates, amounts, and times of these things listed above. Thank you for all your help in what you and the staff do for us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: GA

Complaint narrative:
XXXX  and transunion are stating that the address XXXX XXXX XXXX XXXXXXXX ga XXXX belongs to me and they are falsely reporting this information to the credit bureau and anything tied with this address as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX ga XXXX does not belong too me and should be remove from my credit report. below i have documents to prove my most updated information. 

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

account XXXX acount XXXX account 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 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Personal loan account has never been late, and paid on time each month using autopay through my bank account. Creditor continues to say that my account is past due, and that I have late fees. This has hurt my credit rating immensely. Creditor and credit reporting agencies keep updating delinquent information as being correct when it is not.

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 2023-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Klarna AB
State: VA

Complaint narrative:
Dear CFPB, An account was opened on XX/XX/2022, using XXXX XXXX XXXX 's address, Social Security number, and possibly his birth date. The account Order reference number : is XXXX. A lack of payment is probably affecting XXXX XXXX XXXX 's credit score, causing harm to his credit score. The business address is Klarna, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear CFPB, This account : MIDLAND CREDIT XXXX, MIDLAND CREDIT MANAGEMENT, and/ or MIDLAND CREDIT MANAGEMENT XXXX ( XXXX ) is reporting several inaccuracies and False Information. The reported Companys Name, and Mailing Address for this account is Different and inconsistently reported on my XXXX, XXXX, and XXXX report. 

XXXX : Name : MIDLAND CREDIT MANAGEMENT XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX LA XXXX, XXXX XXXX, XXXX XXXX, CA XXXX To my knowledge it is Not Possible or accurate for a Company / Account to have XXXX Different Names and Mailing Addresses. Furthermore a company is prohibited from reporting a XXXX XXXX XXXX and/or Mailing Address. 

My second complaint is this Account is reporting Past Due : {$640.00}, which is Falsely Reported because that would indicate that a prior payment arrangement was made regarding this accounts balance, in which I DO NOT have ANY prior or present payment arrangements. with MIDLAND CREDIT MANAGEMENT, MIDLAND CREDIT XXXX, or MIDLAND CREDIT MANAGEMENT XXXX. 

Also XXXX is reporting the date of removal XX/XX/2027, and XXXX is Reporting On Record Until XX/XX/2027. 
This is also inconsistent and inaccurate because these dates should be the same if the data furnished is 100 % accurate. This also a indication that this account may have been RE-AGED at some point. 

Please investigate the accuracy of the complaints described above. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
From XXXX 2022-XXXX 2022 they have been reporting late payments.. 



Under USC 1681 section 602 : States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-01-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX :, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-01-01 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-01 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:
In accordance with the Fair Credit Report Act XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my permission.

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 2023-01-01 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:
In accordance with the Fair Credit Report Act XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: NV

Complaint narrative:
In accordance with the Fait Credit Reporting act XXXX  account 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The lender lent money intended to be used for forgivable purposes per the XXXX XXXX. The funds were used according to the note however the lender breached the contract when they failed to process and submit the forgiveness application within certain statutory deadlines. 

A year and a half later the lender claimed that they lent more than was approved even though their authorized lending official, XXXX XXXX, on behalf of the Lender, certified that the review complied with the applicable lender obligations set forth in paragraphs 3.b ( i ) - ( iii ) of the Paycheck Protection Program Rule and the Lender had obtained and reviewed the required application ( including documents demonstrating qualifying payroll amounts ) of the Applicant. 
After numbers attempts to resolve the issue on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX, Ref Number XXXX and XXXX ; direct number ( XXXX ) XXXX; confirmed that On Friday XX/XX/XXXX the case was forwarded to the XXXX to be decisioned. In which during this time the loan would be deferred. 

On XX/XX/XXXX I forwarded confirmation that the appeal for Loan.had been received by the XXXX XXXX XXXX XXXX  XXXX.Borrowers/Appellants XXXX defer the payment of the PPP loan XXXX the processing of an appeal. 


On XX/XX/XXXX the Dedicated XXXX Loan Review XXXX in the XXXX XXXX XXXX, XXXX XXXX, confirmed receipt of the appeal and forwarded it to lenders XXXX department. 

Despite all efforts to communicate and resolve the issues with the lender they refused any direct communication with any decision makers or underwriters and their collections department continues to ignore the deferment and continues attempts to collect in violation of CFPB rules, and the lender is in violation of usually and predatory lending. 

The attached recent statement are in error due to conflicting balances and violate reasonable deadlines to make payments on a loan as they list due dates which fall within a week of the date the statements are received. 



Former complaints regarding this lender. 
XXXX XXXX These complaints have gone unresolved and I request that a thorough investigation be made.

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 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have been attempting to resolve a debt for rent with an old apartment complex from 2017. I was unaware that the property still had an open balance. This balance was paid in XXXX of 2017 leaving the apartment. The apartment complex added in error a dollar amount during management, transferring the property to XXXX XXXX XXXX XXXXXXXX XXXX. I have a terminal XXXX and experiencing a medical XXXX XXXX  and was unable to maintain the apartment, I paid the fees and vacant the apartment. I discovered the balance existed when trying to obtain housing after my recovery. I have never been contacted by a collection nor the property about this balance and the judgement showing only on a credit file called XXXX XXXX. I returned back to the property asking for information, the current bookkeeper stated she could not assist me. She provided me with XXXX collections that the property uses, I contacted both agencies and neither has an account for me. I returned back to the property, I said I needed to resolve this issue. The bookkeeper was not able to confirm where this account. I have not been allowed to resolve this issue nor validate the account information or balance forward to agency and it has prevented me from obtaining housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XX/XX/2020 I was sent a letter stating my loans were XXXX. Also my loans were removed from my credit report last year around XXXX and was false reinserted on my report after doing so. By search of public record this company has no license or authority to do business or try to collect funds in the Territory/State of GEORGIA which I am a resident of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USD 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumers report containing any of the following items of information any other adverse item of information other than convictions of crimes wich 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 repoting agency if the person knows or has resonable cause to belive that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USD 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumers report containing any of the following items of information any other adverse item of information other than convictions of crimes wich 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 repoting agency if the person knows or has resonable cause to belive 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 2023-01-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Remove XXXX XXXX  inquiry XXXXXXXX this is not mine and no one was given permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Around XX/XX/2018, got approved for a loan of XXXX. Due to extremities of hardship and paying way more than. I was loaned, I could not keep letting this burden me no longer. The loan is in collection. And I refuse to pay anything in collection. It does not help to pay it off because it will still show the loan as a debt collection. 

So it will neither make my credit report nor score go up if I did paid due to this being a personal internet loan that has no real impact on increasing your credit score and report like a credit card does.

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