vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/2022 on a XXXX. I received a text message and email notification that a XXXX XXXX has been replaced on my account. I now realize that I did not receive a notice from a new sign-in on my account. Also, I called the XXXX number and a male answered the phone, he denied being part of the scam. I personally do not know anyone in XXXX, Michigan, so I am more confused. Immediately changed back to my number and called CHIME, who did not take my allegation seriously. I changed my username, password, and pin, and requested a new card. I also noticed that all my saving funds were transferred to my checking and I transferred it back. Ive also kept the card LOCKED. And requested a new one which I still dont have. The next day around XXXX XXXX  on XX/XX/2022 an attempt to debit {$500.00} was made. I am sleeping at this time ; how could this happen? It dawned on me. I am suspicious of a CHIME employee. How can someone keep attempting to debit from my account and get through XXXX, which is all linked? AFTER, requesting a new card, guess what? I am still getting transaction attempts how is that? They also took {$10.00} for a tip. Why and when have I ever tipped them? I called informing them this was not something Id done. I was told it could have been a mistake and it would be returned, I still dont see a return. Who else has access to my card info and my account? I have never lost my card info or had it stolen. I have not given anyone my information to use. I need help. This situation with CHIME has cost me emotional stress and financial. To the point, Ive been shopping around for a more secured bank account. I was moving over to discover bank and they shut my savings down, not realizing I have been trying to slowly transfer my funds over and trying to catch up with bills that are attempting to take from CHIME. I would like to know whos behind all this activity and compensation of some sort. 

In the attachment, I included proof of someone is still using my card to make purchases from XXXX for {$39.00} and {$1.00}, I did not do or know who this organization is. Plus, this is XXXX XXXX, and never up this early. Another today at XXXX XXXX  for {$1.00} through a XXXX XXXX XXXX. 

Last nights transactions to my XXXX were all me as I have been desperately trying to get everything out of CHIME, but also paying bills, because I DONT have a DEBIT CARD for daily expenses, so I keep the card LOCKED the majority of the time. I need help because CHIME is not doing anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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:
hello my name is XXXX XXXX ive recently checked my credit report & found some untheorized credit card accounts and collections & looks like someone has been running my credit because its showing hard inquires from car dealerships. 
which is hindedring me frfom getting approved for my home for my family please look into this matter asap and remove & delete these accounts from my credit report.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
hello my name is XXXX XXXX ive recently checked my credit report & found some untheorized credit card accounts and collections & looks like someone has been running my credit because its showing hard inquires from car dealerships. 
which is hindedring me frfom getting approved for my home for my family please look into this matter asap and remove & delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: GA

Complaint narrative:
**update** I am aware I have already written one complaint, but felt compelled to follow up. I am in DESPERATE need of the {$3900.00} that I have requested refund for. Times are hard.. Inflation is the highest it has been in decades.. I just graduated college and started a job.. I am seeking a place to live.. All the while, I have {$3900.00} that I have applied for and been accepted to receive as a refund. I worked hard to pay this money in XXXX, XXXX ( I have receipts ) but my life has changed.. My finances have changed.. But the money is still in limbo.. I was told on XX/XX/2022 that my refund would arrive in 60-90 days, but any time I call, I get a vague answer and my account balance is NOT updated to reflect my refund.. I desperately need the money and I am pleading for someone to please help expediate the process.. Times are hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital One Auto report my car as repo when it was paid off in full and I have the payoff letter and paid off I was never late proof : XXXX  is reporting Account was in dispute- now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. This is not true and I have written proof. XXXX abd XXXX removed this information but XXXX will not. 

Date Last Active : XX/XX/2020 XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: MI

Complaint narrative:
XXXX, EXPERIAN and XXXX are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX, EXPERIAN and XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX, EXPERIAN and XXXX to report any information and Consumer did not authorize anyone employed at XXXX, EXPERIAN and XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX, EXPERIAN and XXXX and have been railroaded by XXXX, EXPERIAN and XXXX to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX, EXPERIAN and XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX, EXPERIAN and XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX, EXPERIAN and XXXX has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am a federally protected consumer and I am concerned that Columbia Debt Recovery LLC dba Genesis may be violating my federally protected rights by using profane language and coercing I, by saying if I do not pay I will receive negative credit reporting. This is my official notice of dispute. I do not owe this alleged debt. Pursuant to 15 USC 1692g I demand that Genesis provide me with documentary evidence that shows I owe this alleged debt, as well as verifiable proof. I do not consent to any credit reporting on behalf. I do not agree to Contract with Genesis or its affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I first noticed in XXXX that TransUnion was reporting late payments on an account that i paid off fully in XXXX. I purchased in FULL my car that was being leased from XXXX in XXXX. Never missed any payments, but TransUnion started reporting me as being late on an account that was closed out. I sent them a letter and they ignored the late payments. I sent XXXX a letter and they said they would tell TransUnion this was a mistake. However they are still reporting me as being late today. How is this possible? It is really causing me to lose out obtaining credit and good interest rates. How can they knowingly keep making this mistake? There is no way my credit score should be hurting because TransUnion is refusing to do their job. I am the victim here ..... Please help

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 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
My identity was stolen in XXXX by a gentleman using my name and address. the gentleman was later ( XXXX ) identified as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Received a TRS recovery service letter trying to collect a debt from XXXX. Based on the information given from TRS, a purchase was made on a declined check at a XXXX store in XXXX XXXX, CA. I've never been to XXXX XXXX before. The check supposedly came from a closed bank account ( acc # ending in XXXX ) from XXXX XXXX I don't have any bank accounts with XXXXXXXX XXXX. The phone number they had on record ( XXXX ) XXXX is also 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 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have unatuthorize inquirities on my XXXX credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my XXXX and transunion credit reports, I have also called and disputed with them also and it still remains on my credit reports. For XXXX there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. XXXX has 2 unauthorized inquiries, from office depot XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. Transunion 5 unauthorized inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit report.

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 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I paid a monthly XXXX bill before moving to XXXX, and upon relocating got a bill reminder. Reached out but no success. Got a notice from debt collector, submitted proof of payment, they dropped the debt collection. Now, 1 year+ later, another debt collector, IC Systems inc sent a notice. I called, transfered around, would not give me a fax # or email, so then i went on their website to submit dispute, Did not here anything until now in their letter said i told them not to contact them, not true, then I got XX/XX/2022 a negative report on my credit 3 bureaus, scores down more than 60 points. I called ic system, and again no cooperation. They even told me they saw my payment, but insist i still owe, when their breakdown shows XXXX as part of the detail of what i owe. 
Actually XXXX owes me. I am submitting all documents of detail and proof of payment. 
I want this removed from my credit reports, and case closed now, 1 1/2 years later.

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 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed from my credit report. 

Inquiry : XXXX XXXX BANK XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX BANK XXXX DATE : XXXX XXXX, XXXX Inquiry : XXXX XXXX DATE : XXXX XXXX, XXXX Account : XXXX XXXX DATE : XX/XX/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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian demands that I pay them {$24.00} a month to lock my credit file. I am subject to a constant stream of high interest personal loan offers, sometimes 4-6 a day, which Experian is the main contributor to. 
I should not have to pay to stop this flow of unwanted and extremely questionable offers I do not want or need. 
Experian continues to advertise my total debt at more than twice what it really is based on an erroneous mortgage from XXXX, which is the responsibility of my ex-wife, and I do not pay, nor have interactions with.

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 2022-09-15 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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-09-15 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: MI

Complaint narrative:
XXXX, XXXX and TRANSUNION are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX, XXXX and TRANSUNION is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX, XXXX and TRANSUNION to report any information and Consumer did not authorize anyone employed at XXXX, XXXX and TRANSUNION to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX, XXXX and TRANSUNION and have been railroaded by XXXX, XXXX and TRANSUNION to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX, XXXX and TRANSUNION to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX, XXXX and TRANSUNION do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX, XXXX and TRANSUNION has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.

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 2022-09-15 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: MI

Complaint narrative:
EQUIFAX, XXXX and XXXX are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. EQUIFAX, XXXX and XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow EQUIFAX, XXXX and XXXX to report any information and Consumer did not authorize anyone employed at EQUIFAX, XXXX and XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at EQUIFAX, XXXX and XXXX and have been railroaded by EQUIFAX, XXXX and XXXX to ignore my Consumer issues. Under XXXX XXXX XXXX ( XXXX ) Permissible Purposes Consumer no longer want EQUIFAX, XXXX and XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. EQUIFAX, XXXX and XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. EQUIFAX, XXXX and XXXX has also violated 18 USC 241/242 Deprivation of rights under XXXX of law because after so many attempts to have this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was a victim of identity theft. I have filed serval police reports regarding this matter. I have certified mailed my police reports and requests directly to the creditor, the collection agency and to the credit bureaus asking for answers and help. The original creditor is XXXX XXXX XXXX  and the collection agency is LVNV Funding LLC. I have no knowledge of these accounts. This is hindering my life.

Company response to consumer: Closed with explanation