vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, I received a payment in the amount of {$9900.00} from XXXX, which is a federal agency, for miscellaneous business consulting work. XXXX paid for my services via XXXXWePay with their purchase card. 

The following day WePay notified me that the payment was flagged for as " high risk '' for chargebacks. I did not understand how my account nor payment was flagged because it was my first deposit/payment. In addition, I have had a personal bank account with Chase for more than 10 years. 

I subsequently responded to the email and provided the requested information : IRS document with EIN number ; New York State Articles of Organization documents ; invoice to XXXX ; and a link to my personal XXXX page. The latter was denied as a valid form of identity. I communicated to the WePay representative that I recently formed my business and had not taken the time to finalized my business website because I have a full-time job. I did not want to send clients to an incomplete website, thus I provided my personal XXXX website as proof of my identity and experience in the field associated with my XXXX XXXX. 

Nonetheless, the WePay representative rejected my documentation and deemed my account as high risk. This is EXTREMELY surprising given that my client is a federal agency which I stressed my than once to the WePay representative. 

As a result of my funds being withheld, I have had to delay my work with XXXX which compromises my ability to secure more work with them. In addition, I have been unable to secure requisite materials to adequately run my business like a post office box or hiring a web designer. 

In short, I would like my rightful earned money as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights under 15 USC 1618 section 6 o 2 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 with my written instructions. Under 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 explanation
Consumer complaint received 2023-12-19 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized actions taken by Alley Bank in relation to my business account. My name is XXXX XXXX XXXX XXXX XXXX, and I am the sole proprietor of XXXX XXXX XXXX, which is a limited partner with XXXX XXXX XXXX. I recently discovered that Alley Bank had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX. Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. Considering these circumstances, I have sought legal counsel and have retained the services of Attorney XXXX XXXX to address this matter. I am hereby requesting that Alley Bank rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.

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 2023-12-19 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX You Guys dont have more options for different complaints I have four collections with the California Business Bureau so I called then to see of they cant remove 2 of them from my credit because their due to covid the government gave money to the employers to compensate sick employees of covid people were dying in the thousands I was sick i was not pretending I had that virus so I did not paid it went on collection and its costing me money and it mess up my credit more so Im paying off my collections so I called they said they can only remove it after its paid I said thanks and hanged up and said I will pay it. Then one minute later theres an inquiry on my credit report that they try to get a loan and bank account under my name under my social security with out my consent how is it that the CALIFORNIA BUSINESS BUREAU can do that with out my consent how is it that they can try to use my name with out my consent they are violating my identity my privacy covid murder millions the employers kept the money and alot of corruption why is California trying to open a loan with my credit the inquiry I want it remove from my credit report because I did not consent for that I take ownership for all other inquiries its true but this one the state is violating my rights and I wont stand for that the usa owes XXXX XXXX dollars I owe just a small fraction and its not fair a Bureau does that to its citizens im paying back my debt and Covid happen to the whole world not just me its so unfair that a institute a Bureau does fraud or Identity theft I did not consent for them to use my name

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have elected to enroll in the autopay since XXXX of XXXX starting in the amounts of ~ {$1700.00} but Aidvantage continues to fail to post my autopay and charges interest on the amount unpaid. I have spoken to representative XXXX XXXX and they won't send any confirmation that this is being looked into. I continue to get ignored on the issue and the Autopay election continues to be ignored. My payment has significantly increased and interest has increased as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ANY CONSUMER REPORING AGENCY.. 15 US CODE 1681B ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX  I received a notification through XXXXXXXXXXXX  that a hard inquiry made on both XXXX and XXXX credit agencies on XX/XX/XXXX  by Tower Loan XXXX XXXX XXXX XXXX, XXXX, MS XXXX However, I did not request any financial services from Tower Loan and called multiple branches to inform them about unauthorized requests at the numbers below : XXXX XXXX XXXX I've been advised by customer service reps at these branches to file a credit reporting dispute using online form at https : //www.towerloan.XXXX and to dispute it with XXXX and XXXX credit reporting agencies directly. Nevertheless, I received a letter from Tower Loan dated XX/XX/XXXX  that stated that " this appears to be a valid attempt to obtain credit '' and no additional information has been requested. XXXX Credit agency sent a letter confirming that they removed a hard inquiry because it " was deemed a fraudulent application ''. XXXX has not responded as of yet.

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 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX Bank of America - XXXX I noticed an unauthorized charge on my checking account on XX/XX/XXXX in the amount of XXXX from XXXX The first representative said that I could place a stop payment to prevent this company from billing me again but I could not dispute the charge until it posted on my account. I called back on XX/XX/XXXX and a representative told me that it was possible that the stop payment was placed in time and that the transaction would be reversed. This did not happen and the transaction posted to my account. At XXXX this morning, I called to report this transaction. Instead of this being treated as fraud, they listed it as a billing dispute. I asked why and I was told it was because I had a charge from this company almost a year ago ( XX/XX/XXXX ). I never gave this company my new debit card information. 
The representative basically said that I could not get a provisional credit and she did not ask me for any information, She just said the claims department would make a decision. I have no clue what they would base their decision on ; therefore, I called the company that stole money from me. I have paperwork that list several discrepancies. 
I called Bank of America once again and was told that I could fax the information to the claims department. I sent an 11 page fax to XXXX. 
I called this afternoon to make sure the fax was received and Bank of America says they did not receive it. 
I feel as though my request is not being taken seriously, It is a less than a week before XXXX and my concerns are merely brushed off, miscoded as billing dispute and I did not receive any type of temporary credit. This is indicative that Bank of America has no desire to find out the truth. They will not help me and I feel as though I was punched in the stomach this morning when my concerns were not properly addressed. This is not fair to me, I want my claim treated as fraud and I want my money returned 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 monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint due to unresolved inaccuracies in my credit report related to a SYNCB/PayPal Credit account , as reported to XXXX. The report contains incorrect information, including allegations of delinquency and derogatory remarks, which do not reflect my actual credit history. 

Discovery of Inaccuracies : I noticed these inaccuracies upon reviewing my credit report from XXXX. 
Initial Dispute Actions : I sent a formal dispute letter to SYNCB/PayPal Credit , contesting the inaccuracies and demanding compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. This letter specifically challenged the reported payment status, credit limit, account status, and the accuracy of the last verified date. 
Specific Discrepancies : The primary concerns include the reported payment status as 'CollectionOrChargeOff, ' an incorrect credit limit of {$1400.00}, and the account status listed as 'Open. ' Additionally, the last verified date reported as of XXXX ' is contested for its accuracy. 
Demand for Verification : I have requested documented proof of compliance with reporting standards and applicable consumer laws, emphasizing the necessity for accurate, complete, timely, and validated information. 
Lack of Adequate Response : To date, SYNCB/PayPal Credit has not provided satisfactory evidence or resolution to these disputes. 
Impact on Credit : These inaccuracies are adversely impacting my credit score and my ability to secure financing. 
Resolution Attempts : Despite giving SYNCB/PayPal Credit a 30-day window for investigation and correction, the issues with this account remain unaddressed. 
I am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by SYNCB/PayPal Credit and to uphold the standards set by the FCRA and 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal per 15 US Code 6802.

Remove, correct and update the following address, employment and phone number ( s ) to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX There is an address on my report that is a non-mailable address. Can you tell me where you got this address? 3rd party agency? Under the Privacy Act 1984, this is a violation.

Student Loans-Family & Educational Privacy Act of 1974that is displaced on my credit report. They are not supposed to provide transaction history to anyone. They owe me. I never received a 1099C. 

XXXX XXXX? Whom are they? Remove.

Charge offs of any and all 3rd party collectors. All 3rd parties have a certificate of indebtedness. That is now income that can not be reported All Inquiries to be removed..immediately.

15 U.S. Code 1681b - Permissible purposes of consumer reports.

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 2023-12-19 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: MS

Complaint narrative:
This violation of 15 US Code 1681i ( 5 ) ( B ) ( i ) ( iii ). This item was initially deleted for inaccuracy and then you reinserted it back into my credit report without notifying me in writing within 5 days afterward. I demand you delete this account immediately. 


Account 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 2023-12-19 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: MS

Complaint narrative:
This violation of 15 US Code 1681i ( 5 ) ( B ) ( i ) ( iii ). This item was initially deleted for inaccuracy and then you reinserted it back into my credit report without notifying me in writing within 5 days afterward. I demand you delete this account immediately. 


Account : 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
Ive mailed LexisNexis is numerous occasions and they have failed to respond each time. 

The most recent cease and desist letter was mailed on XX/XX/XXXX. 

LexisNexis is illegally violated my rights under 15 USC 1681 by sharing/selling my personal information to credit bureaus without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
They said they were closing the account due to suspected fraud which is weird because there were only transactions from my stepdad ( maybe 12 total as donations ) and one from me. This is on the heels of the XXXX issue I had and I think XXXX caused this, but either way, they closed my account and havent given me the funds I think from XXXX XXXX 

They had no complaints on my file and no reason to officially do this, same as XXXX. I was a victim of fraud after XXXX several times and this has happened with 3 banks now.

Company response to consumer: Closed with explanation