vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit System Reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
My XXXX has been for years being a 2013 XXXX XXXX XXXX. I was advised by The California Department of Vehicles that the paperwork should have been sent to them as soon as the last payment was posted. I now live in XXXX  and they sent me a notarized document that The Arizona Department Of Motor Vehicles will not accept. They want a Pink Slip that shows as paid in full and that the lien has been removed. This has been going on for months and resulted in non operation of my vehicle.

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 2022-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXX # XXXX, 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 an 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 2022-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXX # XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a purchase from XXXX on XX/XX/22 the item was delivered on XX/XX/22. I began having problems with the item that I reported to the seller and on XX/XX/22 I submitted a return request through XXXX which was approved. On XX/XX/22 a refund was issued from XXXX in the amount of {$1200.00} back to my debit card issued through The XXXXXXXX XXXX XXXXXXXX Chime but the refund never posted to my account. I have made multiple attempts to resolve this matter with Chime to locate the refund, filing disputes, sending emails, and making calls and each of my requests have been denied by Chime. They can not explain why they have not issued the refund or where the refund is. I made a conference call on XX/XX/22 in which XXXX confirmed that the refund was issued. Chime refuses to explain where these funds are or why they refuse to issue a provisional credit until the investigation is complete as this is a large sum and it is apparent that the refund has not posted due to an error. I have included all the information I provided to them in order to prove my refund is owed an was issued and it has still not posted. I need this money to provide for my family and at this point I have no money, no merchandise and no help from Chime to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I pay my target bill every month. I make 2 payments a month some months. Always the minimum, or 2x or 3x the minimum. Today I get a letter from a collection agency. I had to change my bank account due to fraud. My payment came back because of that. Instead of calling me, or sending me a email or ANYTHING they send me to collections. I login today and it says I owe {$29.00} due TODAY. So I added my new account info and paid the {$29.00} then called the collection agency. They were horrible. I insisted they transfer me to target. Target gets on the line. XXXX the supervisor gets on and is completely unprofessional and cut me off. When I said I was speaking. He hung up on me. I need to be assured I am not going to be sent to collections. I need to speak to someone at corporate. This is how you treat a good customer?!?!?! I also need to be assured you will not be hurting my credit with this as I show I am up to date and again I had to change from XXXX XXXX XXXXXXXX XXXX to fraud to XXXX XXXX XXXX XXXX. I simply had forgotten to update the account info. A call, email, letter from Target would have been nice before just sending me to collections!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am a victim of XXXX XXXX and Equifax, XXXX, and XXXX are reporting 30 day late payment for XXXX account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and they have not deleted the 30 day late payment. I need Equifax, XXXX, and XXXX to abide by The Cares Act. They are violating The Cares Act. Please ensure that Equifax, XXXX, and XXXX update the XXXX account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. Thank you for your hep with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX  XXXX XXXX  Loans ) 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 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 explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: NY

Complaint narrative:
This company is unethical I feel. I tried making my payment today because it is the first bill I have received even though I have tried before to make the payment several times. I do have screen shots and can email them upon request, as your system doesn't seem to be to swift in uploading pictures or videos XXXX XXXX XXXX Statement says I owe nothing but that is not true XXXX XXXX  : I called to report an unauthorized charge several months ago for an XXXX from XXXX that was never delivered. I never received a provisional credit and the expense never came off the bill. 

I was put in XXXX got XXXX, and then had to move to XXXX to help my XXXX Dad who unfortunately died of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I transferred money from XXXX XXXX account to XXXX XXXX  account through MoneyGram ref. XXXX, They said on their website that the process will take 3-4 days. It took 5 days until they sent it to the other bank from XXXX XXXX. I reached XXXX XXXX and the money still not received. I want to complain because they don't say that it will take that long and they don't give an exact date of receival. My family needed the money as soon as possible and they made it a night mare. 
I called several times to understand where is the delay and send email with complain with no reply from their side. when I called they were rude with no explanation. they said we can't do anything just wait for the other bank to process. they keep saying estimated date of receival and they keep changing that date. I called them today at XXXX XXXX, they said if the money not transferred tomorrow, we will open a special case of investigation. which means more time with no money arrived. 

I wish they wrote that the service will take more than 10 days, I would never used their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Re

ceivables Performance Management LLC. Has violated the Fair Debt Collection Practices Act, and Defamation of my Character
by breaking these laws. Attached is a copy of an AFFIDAVIS OF TRUTH, a copy of Exhibit A, and an INVOICE for the violation they broke

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 2022-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC
State: FL

Complaint narrative:
A robo all is connecting with my social security number and harassing me saying I owe a debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted XXXX XXXX  to dispute items they are reporting are inaccurate and they are providing this inaccurate information to the credit bureaus. They have refused to verify this information because they are unable to. I contacted the courts and they stated they did not provide any information to XXXX XXXX XXXX XXXX  just search their portal so they dont no if its accurate or 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 non-monetary relief
Consumer complaint received 2022-05-17 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-17 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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

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 2022-05-17 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX FCRA violations : not my names 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  FCRA violations : not my addresses 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 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 2022-05-17 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine CXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses 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 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 non-monetary relief
Consumer complaint received 2022-05-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 a account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 a account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing to inform you about XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Equifax, XXXX, and XXXX. XXXX is trying to collect money from me without legal contract with them and other credit bureau can't verify legal contract with my signature on it. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past years I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
It has been 30 days from the day I sent them a letter ; I am demanding them to furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If they are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 


Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation