vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 FRAUDULENT INQUIRIES AND ACCOUNTS I DISPUTED OVER AND OVER THEY REFUSED TO MOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On or about XX/XX/22 I called XXXX Customer Service ( a number I got from XXXX, which should be legitimate ) to report MULTIPLE attempts to have XXXX MONTHS of UNAUTHORIZED Subscription fees credited back to my Chime checking account. I had already called MANY times before CANCELLING these subscriptions, some never ordered. The XXXX Customer Service Representative ( which turned out to be FAKE and the number a SCAMMER/HACKER number ) had me verify my identity by sending a copy of my driver 's license and a Selfie in order to service my account. I didn't think it strange but found out later that gave him access to EVERYTHING of mine. He had me download XXXX apps ( XXXX XXXX XXXX  ), which I DID think was strange but I wanted my account credited as I had been trying for XXXX  MONTHS to get it credited. I found out later that XXXX is a Spyware app that allows ANY person to access ANY device and ALL the data on it and make it look as if ( with the person 's ID and selfie ) that person is making these transactions from their device and suffer the consequences and financial ruin associated with these transactions. This XXXX transferred {$250.00} to an XXXX XXXX account and STOLE my money! He asked about ALL my other accounts ... XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, etc and TRIED to get MORE money as well as get me to go into XXXX while I stayed on the phone with him and purchase MULTIPLE XXXX XXXX  cards for $ XXXX {$500.00}. That's when I stopped it and hung up! I told him I KNEW then it was a SCAM and ALL my money BETTER still be there. I went from the store ( XXXX ) to the gas pump because I was on empty. The pump stopped at {$2.00}. At that time gas was over $ XXXX gal so I wasn't able to even pump one gallon of gas. I live on a very small fixed income ( XXXX ) and had NOTHING to live on until the XXXX of XXXX, when my check was deposited into my XXXX XXXX card, which he NOW had my account/routing number to as well as ALL my other financial information. I reported this to XXXX, XXXX, XXXX, Chime and FTC. I have tried for all this time to get my money back from XXXX and/or Chime. I didn't get my XXXX CHECKS for 6 MONTHS after that. ALL my insurances and auto payments were CANCELLED, my license SUSPENDED, EVICTED and NOW living in my car, which I have had to pawn the title to about to be REPOSSESSED right before XXXX. I NEED HELP getting all this money back! My credit score was XXXX. Now it's XXXX. It's RUINED my credit and DESTROYED my life! I even went to the Social Security Office and got NO HELP! I have tried for the past 5 YEARS to rebuild my credit but these HACKERS/SCAMMERS have targeted me and have ALL my information. It's been sold on the dark web. What do I do? PLEASE send a copy of this to my email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : 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 2022-12-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information ASAP : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: CA

Complaint narrative:
I've contacted XXXX XXXXXXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : 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 2022-12-19 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: MN

Complaint narrative:
Attached to this complaint is a letter from XXXX XXXX and XXXX XXXX XXXX XXXX for Trans Union XXXX XXXX XXXX The XXXX XXXX is showing an account balance of {$41.00} and the XXXX SXXXX XXXX  XXXX account is showing an account balance of {$390.00}. XXXX XXXX account is suppose to have a current balance of {$0.00} and XXXX XXXX has requested for Trans Union to delete the trade line from my Trans Union credit report XXXX The XXXX XXXXXXXX XXXX XXXXXXXX account is suppose to have a current balance of {$0.00}. Blaze has also requested for Trans Union to delete the trade line from my credit report, but the accounts is still currently listed and showing on my Trans Union credit report. The following accounts on my Trans Union credit report was reported lost/stolen : XXXX  XXXX Bank XXXX {$1100.00} and XXXX XXXX XXXX XXXX {$760.00}. My XXXX XXXX Bank and XXXX XXXX XXXXXXXX XXXX XXXX was reported as lost/stolen and the balance on the accounts is all fraudulent charges/transactions. The debt collection account from XXXX XXXX  XXXX XXXX {$360.00} is not my debt collection account. The debt collection account doesnt belong to me. The following hard inquiries currently listed on my Trans Union credit report are unauthorized and fraudulent hard inquiries : XXXXXXXX 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 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 2022-12-19 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: NJ

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2022-12-19 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: DISCOVER BANK
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. XXXX and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The XXXX is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the XXXX has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REPAIR THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}

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 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: CA

Complaint narrative:
UNIFIN a debt collection company working in tandom and co-operation with XXXX XXXX XXXX XXXX XXXX has attempted to collect a debt already PAID IN FULL in XXXX knowingly in the amount of {$4100.00}, this amount was settled in Full in XXXX for {$2300.00}.. The complaint answer from XXXX XXXX XXXX XXXX XXXX Corroborates this as well as documented Pay off .... SEE ALL PHOTOS ATTACHED. THERE IS NO MONEY OWED AND NONE FURTHER WILL BE PAID.. UNIFIN working with XXXX XXXX XXXX XXXX XXXX has XXXX both in person and by letters as seen in photos recently in XXXX knowing full well that my legal name changed in XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX name for inheritance purposes as per Ca. State Drivers License, XXXX Passport and Social Security Number. My phone number has never changed either. 
Attempting to collect further on an already PAID IN FULL Collection account with harassment involved constitutes EXTORTION under current Federal Laws and a further crime of U.S. Mail Fraud for attempting under duress and harassment to collect a non payable PAID IN FULL amount in order to make a " marketable illegal profit '' for it's company in accordance with FBI current RICO Laws now in place for such actions. It is clear in the statements mailed to myself that these companies were aware of the amounts, dates and proceedings of each others collusion to attempt further payments on a previously PAID IN FULL account to XXXX XXXX XXXX XXXX XXXX in XXXX with XXXX Consultants in XXXX. 
My attorneys private investigators firm have collected both video, photo and document evidence that has been turned over to the proper law enforcement agencies as well as State authorities on bonding and legality issues. 
THIS ACCOUNT WAS AND IS PAID IN FULL ... NO FURTHER Payment OF ANY KIND IS FORTHCOMING.

Company response to consumer: Closed with explanation