vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a customer who made two payments through my chase banking app WePay and both were made using the same card for the exact same amount. One on the XXXX of XXXX and the other on the XXXX. The first transaction on the XXXX was processed and available the following day. The second transaction on the XXXX was processed and chase received their fees out of the completed transaction but the payout to my business checking account was flagged and my account was deactivated. The funds are being held by chase for 120 days. I've contacted every department that would listen as has the customer and neither of us can seem to recover the customers money and now this failed transaction has cost me way more than just this one job it's been several missed days of work and several days of dealing with them to no avail. I also lost several clients and potentially hundreds of thousands in work. They couldn't give me a reason this even occurred and even if they did an exact identical transaction occurred on the XXXX without a hitch. Even if they believe there was reason to flag this transaction why wouldn't they return the funds to the purchaser whom the money belonged. This can't be legal and definitely not ethical. It seems to be a case of a large financial institution bullying the smaller businesses and wrongfully holding money for their benefit because nothing explains their procedures of holding funds from both parties. Who are these procedures in place for when both parties are penalized for no apparent reason meanwhile Chase bank holds the customers money against their will and makes you jump through so many hoops that by the time they do release the money it already served it's purpose and they get rich while bullying small business into closures and nobody thinks they can do anything to stop them. I researched the matter and there's thousands of small businesses that Chase bank has done this exact unethical treatment to and illegally hold funds for 120 days without giving any details as to why. It appears this is common practice at this establishment and is avery disturbing to the people who even hear that this is being done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I contacted Pentagon Bankcard on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy

of Consumer Financial Information . I have not gotten a response from this company and they continue to report my
personal information to third parties.

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 2024-01-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: MD

Complaint narrative:
Direct Express in still deciding to hold my money even after I have a new account and social security no longer sends them my money they are holding over {$5000.00} and I have provided them with my transfer funds electronic transfer number to my new account that the social security administration has now please do something about this matter it has been over XXXX to 7 months they have been they also will not allow me to access the money that they still hold on my card that is still on my person and I know all the information on it nor have I requested for them to suspend it. They keep asking that I send them my photo ID copy of my photo ID front and back so that they can verify to a certain account number I refuse to do that and was instructed not to I provided them with the electronic funds transfer number to my new account that social security administration has please ask that they release my funds to my new account my electronic transfer number is XXXX I also learned that this address is not public I am still being a victim of identity theft conspiracy involving my assets that were comprised that's another story

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated 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 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 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 of 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 2024-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Purchase notification XXXX XXXX I keep getting purchase notifications from some email for PayPal. Do they have fake accounts set up? Has my information been stollen? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a Notice of Dispute to LexisNexis ( XXXX ) and requested the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. 

On XX/XX/XXXX, I submitted a Notice of LexisNexis Failure to Respond to my Notice of Dispute ( XXXX ) and demanded the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. 

On XX/XX/XXXX, I submitted a SECOND Notice of LexisNexis Failure to Respond to my Notice of Dispute ( XXXX- XXXX ) and demanded the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. 

On XX/XX/XXXX, I spoke with LexisNexis ' representative named XXXX who initiated another dispute regarding the inaccurate Identification Records that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report. 

This is my THIRD Notice of LexisNexis failure to respond to my Notice of Dispute dated XX/XX/XXXX, within the 30-day statutory deadline as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). 

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), the 30-day statutory deadline for LexisNexis to respond to my Notice of Dispute was XX/XX/XXXX. 

In fact, LexisNexis has refused to respond to any of my Notices of Dispute within the 30-day statutory deadline as required by the FCRA 611 ( a ) ( 1 ) ( A ). 

Therefore, per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), the disputed information must be deemed UNVERIFIABLE and, therefore, I demand that the unverified Identification Records be promptly deleted from my LexisNexis Consumer Disclosure Report. 

Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/XXXX ( See attached Supporting Document # 1 ), LexisNexis is STILL reporting inaccurate information regarding my Identification Records. This inaccurate information must be immediately deleted from my LexisNexis Consumer Disclosure Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: NE

Complaint narrative:
I paid XXXX dollars a XXXX  for a XXXX dollar loan for over XXXX XXXX and price never dropped I called them and they told me I pay the interest XXXX  before paying on the loan but the amount kept increasing while I was paying on it and was informed loan wouldnt be paid off tell XXXX I could not afford to pay over XXXX dollars for a XXXX dollar loan and tried to decrease payments but they refused it is an impossible loan to pay back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Account info Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, Equifax, XXXX, XXXX XXXX  XXXX , XXXX XXXX  and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information .

I have not gotten a response from this company and they continue to report my personal information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting 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:
I contacted XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, Experian, XXXX XXXX  XXXX , XXXX XXXX  and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information . 
I have not gotten a response from this company and they continue to report my personal information to third parties.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Account info Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Account number XXXX   Open/closed Closed Date opened XX/XX/XXXX Account type Credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX and TransUnion along with OTHER 3rd party businesses, or affiliates currently show negative, inaccurate derogatory information reporting from XXXX XXXX XXXX XXXX. The issue is I never had an open revolving visa cash rewards credit card with a balance pending in the amount of {$100.00} or more with a limit of {$5000.00}. I had a XXXX XXXX  XXXX  but that was paid off limit amount {$3500.00}. I have never consulted nor consented for XXXX to sell my name email to any mutual insurance or investors. In addition my mortgage and other personal loans are not being posted accurately by these 3 bureaus from XXXX XXXX  XXXX. There has not been a lag period more than 30 days. Why is XXXX reporting to XXXX after paid and closed $ XXXX but updates highest balance $ XXXX? Just a lot of inaccuracies not doing me any favors. Instead things appear as though they are not in my case late, delayed, or hurting characterized in payments. However I have no delays no deficiencies pending w/any lenders mortgage payments or XXXX XXXX  all in good standing. The current mortgage value is not $ XXXX it's below. And XXXX leads what other lenders are seeing on my 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 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
THESE ACCOUNTS ARE FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I made a free membership on experian to check my credit but now I'd like to cancel it because I get numerous useless alerts that can't be turned off and I'm concerned about them selling my data. They make it impossible to cancel, there's no method to do this online and no option to request it via their email form. I've requested more information by selecting " other '' on their email form but I haven't received any help. Incidentally if you select " cancellation '' on the form it refuses to let you submit it.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: CA

Complaint narrative:
I had a credit check through XXXX XXXX, via XXXX XXXX. In that check, I received notice ( See " XXXX Notice '' - dated XX/XX/XXXX ) that a portion of the requested amount was denied due to information provided by LexisNexis. 

I requested information from Lexis Nexis through their website on XX/XX/XXXX. I spent the next month going back and forth with the company regarding document submission, which I did ( in duplicate ) tie to the XXXX different case numbers they'd randomly assigned to me. I finally received a physical notice that documents were available to me and logged on to obtain those ( DataPrivacyAct and XXXX Both docs attached with the password to open following the word " PASS '' - XXXX XXXX XXXX and XXXX - XXXX XXXX ). On XX/XX/XXXX, I submitted a list of issues with the information in the XXXX reports, noting that per their site, these needed to be addressed within 30 days ( see " Discrepancy submissions '' ). 

On XX/XX/XXXX, I followed up, noting the 30 day time frame had lapsed with no communication ( see " XXXX XXXX XXXX '' ). I again followed up on XX/XX/XXXX noting I was taking action with CFPB and my attorney ( see " Follow Up XXXX '' ). 

I then received by mail a letter dated XX/XX/XXXX ( see " XXXX XXXX '' and " XXXX XXXX '' ) with a vague indication that something had been updated, though nothing specifically noted. I logged on using the link provided and pulled the updated reports ( DataPrivacyAct and XXXX Both docs attached with the password to open following the word " PASS '' - XXXX XXXX XXXX and XXXX - XXXX XXXX ) finding that nearly all of the same items I had reported earlier were still present. I replied ( see " New Discrepancy Submissions '' ). 

What is most concerning, outside of the obvious lack of proper communication and ability to address the specific concerns, is the fact that the data on their report is self contradictory in spots. My age and my birth are different throughout, which is an obvious inconsistency that should raise an alert on their end that something is obviously incorrect. Unfortunately, it takes numerous followups and references to oversight agencies and attornies for this company to take their data seriously. Their data resulted in a denial that impacted my credit score significantly.

In addition, they have mixed my data with my father 's data, which I believe is why I've received several communications from various companies that are clearly meant for my father, who lives XXXX miles from me and I have not lived with since I was XXXX. It seems to me it ties to this company 's data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted XXXX SYNCB/PPC on XX/XX/ to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information . 
I have not gotten a response from this company and they continue to report my personal information to third parties.

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