vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 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: CA

Complaint narrative:
XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something 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 non-monetary relief
Consumer complaint received 2023-07-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
About XXXX my mom submitted a request to Synchrony Care Credit to give me account access to her card for medical care if I should ever need it. 

She said she NEVER gave them my SSN and she NEVER clicked on anything that said it was ok for them to put her charges on MY credit report, but that is what happened. Her credit card of almost {$1100.00} showed up on my account! 

I got an alert and called them immediately but had a hard time figuring out where that charge came from. They hinted that maybe someone would have opened this account in my name and that's when I called my mom. She verified that she requested me a card but had no idea they would put her charges on my account. Then about XXXX, she called and told them to remove that from my credit report because it is HER debt, not mine! They said they would but they didn't.

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 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
Had some unauthorized transaction credited to my PayPal account Instantly reported these transactions asking for full amount to be refunded back to account as to be expected the account became limited status till investigation of transactions were resolve and a full refund was pending and account limitations lifted but still no access to the funds returned after waiting for pending balance to deposit I reserved email from PayPal saying account limitations were lefted to full access so I figured the money would be to but shortly after that email I reserved one from them say my account was permanently limited and said I would not be able to use there services anymore All I want is the available balance withdrawal out but I guess there is a hold on it and will receive a email from them in 180 days But times are tough all over I need that money to live

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: IL

Complaint narrative:
XXXX is a credit card company that allows you to have a credit limit based on your bank account balances. I signed up for the card and everything was going good making purchases and payments, fast forward about a year and a half later their app no longer works to make payments. Everytime you would go to make a payment it would crash the app or go black and sign you out. I have sent hundreds of emails to XXXX  with all the same response saying their team would look into it and they would send me a payment link to pay through. Only problem with that is their customer service team takes 2-3 days to respond and only respond thru email, before Im able to make a payment and it has negatively affected my credit report due to their app not working. I have also had someone use the card fraudulently and have fraudulent charges. I have sent them all the information with numerous proof, screenshots, screen recordings, even offered to pay the balance in full to just get it removed off my report completely. They deny all my requests.

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 2023-07-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is a credit card company that allows you to have a credit limit based on your bank account balances. I signed up for the card and everything was going good making purchases and payments, fast forward about a year and a half later their app no longer works to make payments. Everytime you would go to make a payment it would crash the app or go black and sign you out. I have sent hundreds of emails to XXXX  with all the same response saying their team would look into it and they would send me a payment link to pay through. Only problem with that is their customer service team takes 2-3 days to respond and only respond thru email, before Im able to make a payment and it has negatively affected my credit report due to their app not working. I have also had someone use the card fraudulently and have fraudulent charges. I have sent them all the information with numerous proof, screenshots, screen recordings, even offered to pay the balance in full to just get it removed off my report completely. They deny all my requests.

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 2023-07-02 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: AL

Complaint narrative:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 an 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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX 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 explanation
Consumer complaint received 2023-07-02 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: TX

Complaint narrative:
I do not recognize any of the following hard inquires and I'm asking that they be removed : XXXX XXXX XXXX XXXXXXXX, 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 2023-07-02 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: FL

Complaint narrative:
On XX/XX/2023, I recieved a money transfer of XXXX from a business client because I have a clothing brand, with investors. I met this man online, and he came over to take me to dinner. While I was in the shower, he took my debit cards, and my phone and on my phone, I have my personal information on there, passwords, and basically everything I need. My banks are on there, and banking information. He transferred the money to his Chime account, which I didnt understand how Chime allowed it to happen. Firstly, I got in contact with the police before I even got in contact with my bank since my cousin is a Police Officer. After, I got a lawyer, and he has every document involving this situation. I then contacted Chime a couple days later, and when I called, they helped me change my account information. Then I attempted to file for a dispute, only to find out, he tried to get money back, so he already filed a dispute so I had to file a rebuttal. Mind you, to file a dispute, you have to call Chime so I dont understand how this got pass them since he has a male voice. My other banks, red flag voices. But, they denied my rebuttals, although this clearly shows none of these transactions were mine. I have a good standing with Chime, and nothing like this has ever happened on my account. Another thing is, I havent sent over any documents to Chime because my lawyer hasnt allowed me to yet, and I made sure Chime knew I was so before denying a rebuttal, I believe they would have to look at everything first. I believe this dispute is being wrongfully denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: IL

Complaint narrative:
Information on my credit report is incorrect and does not belong to me.

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 2023-07-02 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: Grain Technology, Inc.
State: IL

Complaint narrative:
Grain is a credit card company that allows you to have a credit limit based on your bank account balances. I signed up for the card and everything was going good making purchases and payments, fast forward about a year and a half later their app no longer works to make payments. Everytime you would go to make a payment it would crash the app or go black and sign you out. I have sent hundreds of emails to grain with all the same response saying their team would look into it and they would send me a payment link to pay through. Only problem with that is their customer service team takes 2-3 days to respond and only respond thru email, before Im able to make a payment and it has negatively affected my credit report due to their app not working. I have also had someone use the card fraudulently and have fraudulent charges. I have sent them all the information with numerous proof, screenshots, screen recordings, even offered to pay the balance in full to just get it removed off my report completely. They deny all my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: LA

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX  APP is inaccurate incomplete and inconsistent because balance owed and payment history within 24 months are different with both TransUnion and XXXX I have sent in disputes requesting the CRAs to validate the information and delete the information that does NOT MEET THE FCRA REQUIREMENTS I HAVE SENT ALL CRAs a copy of what is being reported to all three of the CRAs and the only CRA that has complied with the FCRA laws and my right to a Fair accurate consistent and complete credit report was XXXX. They deleted the account due to the factual information being incomplete and inconsistent and inaccurate. I have been harassed at home at my place of business after sending a ceased and desist letter email and verbal warning to collect a debt that has NEVER BE FULL VERIFIED PROPERLY by both TRANSUNION AND XXXX and HAS ALLOWED THIS CREDITOR TO CONTINUE TO REPORT ILLEGAL INFORMATION PAYMENT HISTORY AND BALANCES WITHOUT DOING A PROPER INVESTIGATION BOTH CRAs has a known history to not properly complete a full investigation of what the creditor is reporting and I am a litigation consumer and I will seek legal action if this matter is not resolved. i am requesting that this item be DELETED PERMANENTLY Enclosed is documentation supporting my request : DISPUTE RESULTS FROM XXXX AND BOTH REPORTS AND BALANCES IN WHICH BOTH CRAs statements the balance was updated back in XX/XX/2023 FCRA Violation 15 U.S.C Sec 1681i ( a ) Consistency Accurate and complete information should only be report the the CRAs by law anything that is not consistent complete or inaccurate is to be PERMANENTLY DELETED 15 U.S.C Sec 1681i ( a ) THIS ACCOUNT IS IN VIOLATION OF THE LAW DELETED PERMANENTLY this negative item does not meet the FCRA Requirements Please reinvestigate this matter and delete the disputed item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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: LA

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX  APP is inaccurate incomplete and inconsistent because balance owed and payment history within 24 months are different with both XXXX and Experian I have sent in disputes requesting the CRAs to validate the information and delete the information that does NOT MEET THE FCRA REQUIREMENTS I HAVE SENT ALL CRAs a copy of what is being reported to all three of the CRAs and the only CRA that has complied with the FCRA laws and my right to a Fair accurate consistent and complete credit report was XXXX. They deleted the account due to the factual information being incomplete and inconsistent and inaccurate. I have been harassed at home at my place of business after sending a ceased and desist letter email and verbal warning to collect a debt that has NEVER BE FULL VERIFIED PROPERLY by both XXXX AND EXPERIAN and HAS ALLOWED THIS CREDITOR TO CONTINUE TO REPORT ILLEGAL INFORMATION PAYMENT HISTORY AND BALANCES WITHOUT DOING A PROPER INVESTIGATION BOTH CRAs has a known history to not properly complete a full investigation of what the creditor is reporting and I am a litigation consumer and I will seek legal action if this matter is not resolved. i am requesting that this item be DELETED PERMANENTLY Enclosed is documentation supporting my request : DISPUTE RESULTS FROM XXXX AND BOTH REPORTS AND BALANCES IN WHICH BOTH CRAs statements the balance was updated back in XX/XX/2023 FCRA Violation 15 U.S.C Sec 1681i ( a ) Consistency Accurate and complete information should only be report the the CRAs by law anything that is not consistent complete or inaccurate is to be PERMANENTLY DELETED 15 U.S.C Sec 1681i ( a ) THIS ACCOUNT IS IN VIOLATION OF THE LAW DELETED PERMANENTLY this negative item does not meet the FCRA Requirements Please reinvestigate this matter and delete the disputed item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to the annual credit report and TransUnion was the only reporting agency that would not let me get access to 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 non-monetary relief
Consumer complaint received 2023-07-02 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: AL

Complaint narrative:
Ive been reaching out to TransUnion regarding their incorrect reporting to my consumers report. They have yet to cease reporting this inaccurate information. I have no filed a FTC report against the company being that they are committing identity theft. I have not provided TransUnion with my consent to Furnish anything on my credit report. I am also in the process of suing for XXXX each violation. I would demand this account be removed from my credit report within 4 days of receiving this complaint

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While looking at my credit report i have noticed the following accounts had a discrepancy in the " payment history '' section of the listing : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX these charged off accounts is reporting payment history each month when it should not since the accounts have been charged off. this is falsely manipulating the status of limitations which is a FCRA violation. 
FCRA623 ( a ) ( 5 ) ( a ) ( 5 ) Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action.

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