vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: NC

Complaint narrative:
Delete hard inquiries : XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXXXXXX ; inquiry date XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX  ; inquiry 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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I filed a investigation with XXXX, XXXX, and XXXX about my account with World Finance account ending in XXXX. As well as XXXX XXXX, XXXX. This is a charge off account that still has a balance. Also, the statute of limitations has expired. I have written to all the credit reporting bureaus numerous times about the dates and the amount, which is incorrect. 
How can it be a charge off account and report with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX 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 my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 
remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # bank XXXX XXXX account XXXX bank XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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, other than records of convictions of crimes which antedates the reports by more than 7 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 accurate..

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 2023-03-30 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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, other than records of convictions of crimes which antedates the reports by more than 7 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 accurate..

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 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
Freedom Mortgage has been a very bad company. First I just found out that they have not updated that they are the new company to service my mortgage and this happen in XXXX. Next we signed a loan modification back on XXXX and was told that copies would be sent both them and the local county. However this was not true as he local county did not get get this info and the Notary company that they sent did not send the info. In XXXX of XXXX we tired to do a streamline refinance for FHA and was told that this should take more than two months. In XXXX, I found out that the agent working on this left the company, no one told us this and that there was a name issue with my wife name that we was never told about. Now we are being told we need to sign new documents or lose the loan modification. Also they are not correctly reporting accounting info for our loan to the our credit report. Per our monthly statements we owe XXXX but they are reporting XXXX. Per rule are they suppose to report what your statement info is and not other info. I really need to have a member from FHA to work with me as Freedom Mortgage is very hard to work with and does not care about their customers

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I attended a presentation by XXXX XXXX in XXXX of XXXX. At that presentation my partner and I signed up for a trial program, and were told we would be paying $ XXXX and provided bank account information for those payments. Months later I received an email from XXXX XXXX that my Barclays Credit card was delinquent, and after investigating I realized that I was signed up for a credit card without my knowledge and it was charged {$2000.00} as a down payment for the trial. The only paperwork I recall signing at the time was for the $ XXXX trial, and the predatory nature of their presentation lead me to not having knowledge of the account or the correct information to make payments. I connected with Barclays in XXXX of XXXX and was able to trace this card back to XXXX, but even after gaining access and bringing the account up to date they were not willing to delete any delinquency reports.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX 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 my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX XXXX XXXX  account XXXX XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX 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 my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
TRANS UNION is REPORTING Inaccurate and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance on A XXXX XXXX XXXX collections account XXXX XXXXXXXX ( closed / XXXX/closed and paid increased to {$1000.00} and {$2000.00} even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. Transunion is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Transunion is in negligent compliance by reporting this information as accurate when in fact, they are not Trans Union has reported over several times as accurate when clearly, they are not. XXXX XXXX XXXX and Transunion are violating My consumer rights and FCRA laws. XXXX XXXX XXXX is I believe retaliating with unethical practices by providing intentionally inaccurate information as XXXX violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to Transunion. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Case : XXXX XXXX ( XXXX ). Any XXXX XXXX XXXX accounts and data must be DELETED from Transunion and Transunion due to violations of the FCRA and XXXX XXXX XXXX Be fined {$1000.00} to {$10000.00} per FCRA Violation.

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 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello To whom this may concern : My name is XXXX XXXX an active navy federal member whom has recently experienced a tragic situation with this company. 
I request to have my XXXX federal return direct deposited into my navy federal account, that was supposed to clear on XX/XX/XXXX unfortunately upon filing my return my account number was incorrectly recorded and was deposited into an account that is not associated with me. I reached out to the branch in XXXX Nc and was informed by a representative named XXXX to reach out to XXXX XXXX and have them submit a XXXXXXXX XXXX so that the funds could be reversed and returned to the IRS for an issuing of a paper check. That following Monday I did just so and was informed on the upcoming Wednesday that the request was denied due to no funds available. I returned to the branch on Friday of that same week and spoke to a XXXX whom escalated the matter to a supervisor and requested that the funds be retrieved and returned on my behalf to the IRS. I then got a phone call on Monday XX/XX/XXXX stating that the request was again denied due to non bank error. I then explained to the supervisor that contacted me in full detail she then stated that he would resubmit the request and try to push it through but was not sure because it was not a issue caused by the bank. I then got a call on XX/XX/XXXX from a XXXX stating she had no luck and I would need to contact the IRS and have them submit a non receipt form. 
At this point I am needing someone at NF to take ownership of their over site and correct this error as soon as possible. This whole ordeal has been extremely frustrating and has caused me to loose confidence in NF ability to protect my investments. 
Please feel free to contact me at ( XXXX ) XXXX As soon as possible to discuss further of a decision. Thank you for you time. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Regarding Dispute for a payment submitted to the wrong account number to Comenity Bank via Check Number XXXX.See attached cashed check for {$1300.00}. This check was deposited into an account that is not mine. My account number is XXXX the check had a clerical error where 2 numbers were transposed. The check instead was deposited into account number XXXX. This check was sent XXXX and deposited/stamped/accepted by Comenity Bank XXXX. This check was not meant for that account number. I do not have any knowledge whose account that is. This error must be fixed and funds reversed back to me. A dispute has also been opened with XXXX XXXX XXXXXXXX. Dispute reference number is XXXX. Please rectify this situation as soon as possible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
XX/XX/XXXX This company has charged me for taxes on a parcel number that does not belong to me! They said it is on my legal documents but when I looked at my paperwork, I have one property and one parcel number. I already contacted my local tax office. The other parcel number belongs to my neighbor with a totally different last name. I have no relation or ownership to this other property yet I have been charged about XXXX XXXX dollars! This company 's employees are rude and basically told me there is nothing they can do! Someone finally reached out to me regarding this issue in XXXX and said things will be fixed but no action has been made as of XXXX XXXX. They took out my money real quick but are dragging their feet to refund me! This is not my fault at all. They literally charged me for my neighbor 's taxes twice XXXX and XXXX and have not fixed their mistake. Supposably the other parcel was taken off my account but my refund has not be made. My escrow account was negative due to the overage of paid taxes out of the account. I now have to pay for an escrow shortage because the almost {$5000.00} was taken from it! I call and call and the agents are rude and no one wants to help. They said nothing can be done until they see I get a refund but that makes no sense when they should see on their end that they made a mistake and they owe me! They have little to no knowledge and also hang up on me! This is a serious issue! This is the second XXXX  complaint and third complaint overall regarding this matter! It is the only way to get someone to communicate! I need a refund asap or I will take action with an attorney! This is ridiculous! I need a written explanation of charges, another escrow analysis of last year and this year and a refund ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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. 

XXXX XXXXXXXX XXXX XXXX : XXXXXXXX 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 2023-03-30 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. 

XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX 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