vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
My credit score dropped XXXX points ( XXXX down to XXXX XXXX ) due to my Amazon credit card. I purchased an {$800.00} air conditioner to be paid off over the course of 12 months interest free. The shipping company could not get me the AC in a timely manner, so I cancelled the order and was refunded the full amount back the credit card. XXXX XXXX says the score dropped because I spent too much money on the card. This does not take into account what the item was or even that the amount was refunded. This is outrageous. I didn't buy {$800.00} worth of candy bars and shoes. 

I purchased this item XX/XX/2022.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
All Students  loans were Paid-In-Full with Aidvantage back in XXXX XXXX Credit Bureau still shows a balance of XXXX XXXX  I demand to have to correct balance reflected as XXXX XXXX  Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit Report under my social was my Mom 's name, I was listed under AKA my name and my sister. 
ALL of the information is incorrect!! 

Was on the phone all day yesterday to fix it. They said they corrected it. Now my credit report show 's my name but as my sister 's name affiliated with my social security number. 
AKA lists my name and My sisters ( twice ) with her first name then with her Middle name. 

There are several address and loans. All the Addresses and loans are a combination of my mom 's my sister 's, one address is mine and it does show my mortgage loan. The address and Mortgage are the only correct things of mine. 
It shows Their bank accounts, their loans and phones, my sister 's student loans and cars ... .and XXXX  all credit reports run. 

I own one house I have one car- paid off, no loan I have only one mortgage I have worked only one job in the past 20 years I don't have any credit cards or student loans I have one phone My only bills are my mortgage, my utilities and my cell phone. 

Identity theft is apparent on Experian- All the address, phones, loans are in my name- All address are in Virginia, except one in Alabama which is my Mom 's wrong address number correct street address.. 
My mortgage is shown ( never late ), others mortgages are on it as well. Loans, credit cards, different Bank accounts all from Virginia, Connecticut and North eastern banks. Credit and delinquent loans under 6 different po box es in Virginia. I do not know any of them. 

This is an obvious Identity theft situation that is serious. Thousands of dollars and accounts, loans, credit cards in My name!

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 2022-07-09 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: CA

Complaint narrative:
I requested from each creditor a complete validation which includes the original contract with my signature on it. According to the FDCPA section 809 for validation. 
The creditors did not provide such documentation. The creditors are as follows, XXXX account no. XXXX .... 
XXXX account no. XXXX .... 
XXXX account no. XXXX ..... 
XXXX XXXX account no. XXXX .... 
XXXX XXXX account no. XXXX .... 

furthermore according to the FCRA 15 usc section 602A i have the right to privacy all collectors did not abide by this law and 15 use section 604A section 2 states a consumer reporting agency can not report without my written instructions.

this was also violated

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 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been trying to close my Macy 's online account as well as cancel the actual Macy's/American Express credit card for over three months. My desire to close this Platinum account started when my card was lost/stolen and I requested that Macy 's issue a new card. After over two months of contacting Customer Service and calling and writing numerous times, I have yet to receive a new card from Macy 's. However, Macy 's ( card issued by Department Stores National Bank ) took it upon themselves to put a new credit card account number on my online account without me ever receiving a replacement card or knowing the full account number, expiration date, or security code. It is like someone else has control of my identity. I have written Macy 's executive offices twice and received a letter back ( no return call or email ) for which they took no responsibility for my dilemma, dismissed my concerns, and again told me to contact Customer Service. They say in order for me to resolve anything, I must provide my full SSN on the telephone to one of their Customer Service staff, for whom I have no trust or confidence. 

I have been paying my 0 % interest balance via this new account and I am not sure if this is really legit either. I feel like I am caught between a rock and a hard place. 
I would immediately pay the balance if I can receive a FINAL bill and some type of confirmation of the full account details. FYI, I earned Platinum status using the initial credit card that was deemed lost or stolen. Macy 's has since changed that status to Bronze without any record or documentation. 

At this point, all I want is for Macy 's to send me a FINAL bill, close/shut down my online account completely ( there is no way for me to do this myself ), and show proof that the credit card established in my name is cancelled and no other card is created in my name. I want my personal information to be totally dissolved from Macy 's records as I have no confidence in doing business with them ever again. 

I must add that five or more years ago, I had a Platinum account with Macy 's and they changed my address without my knowledge. I vowed then that I would never establish a relationship with them again ; but went against my own conviction. This time, when this situation is adequately resolved. I will no longer do business with Macy 's. This has truly been a mental and financial ordeal. 

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 explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NJ

Complaint narrative:
The borrower initially reached out to the Loan Servicer ( Sallie Mae ) in XXXX 2022, requesting a co-signer release. Borrower has fulfilled the requirements stipulated by Sallie Mae : 1- Submit a signed and fully completed application. 
2- Be old enough to enter a legally-binding contract in your state of residence. 
3- Be a permanent resident at the time you submit the request. 
4- Provide proof of income. 
5- Be current on all Sallie Mae-serviced loans at the time of application review and have not been 30 or more days past due within the last 12 months. 
6- Demonstrate a satisfactory payment history on the loan ( s ) requested by pre-paying an amount equal to the required 12 principal and interest payments or by making the required 12 on-time principal and interest payments. 
7-Have had no student loan ( s ) in a hardship forbearance or modified repayment program for the 12 months before you apply. 
8-Demonstrate the ability to assume full responsibility for repayment of the loan ( XXXX ). 

Borrower has requested the co-signer release 3 times - XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each of these times, the request has been denied, even when the borrower complies with all the requirements established by Sallie-Mae to release the co-signer. 

Co-Signer has contacted Sallie-Mae multiple times via the Chat Feature of their website, and each time he has contacted the loan servicer, they provide different information, with the last communication mentioning the following : " Unfortunately, we could not approve the request because the borrower did not meet our eligibility requirements. You will remain equally liable for the Current Balance of the loan. In order to protect the borrowers private information, we are unable to provide the specific decline reason ( s ) to you. We encourage you to speak with the borrower for the specific reason ( s ) as to why the request was declined. The borrower can request a reconsideration. '' The co-signer is authorized to communicate with the loan servicer to know the status of the application of the co-signer release, which was submitted by the borrower. Sallie-Mae mentions that information on the application can not be communicated to the co-signer, even when the co-signer provided financial and personal information to initially process the loan. Therefore, the loan servicer is not complying with providing adequate information to the co-signer and the borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ Immediately!

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ Immediately!

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 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-07-09 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:
I requested from each creditor a complete validation which includes the original contract with my signature on it. According to the FDCPA section 809 for validation. 
The creditors did not provide such documentation. The creditors are as follows, XXXX account no. XXXX .... 
XXXX account no. XXXX .... 
XXXX  account no. XXXX ..... 
XXXX XXXX account no. XXXX .... 
XXXXXXXX XXXX account no. XXXX .... 

furthermore according to the FCRA 15 usc section 602A i have the right to privacy all collectors did not abide by this law and 15 use section 604A section 2 states a consumer reporting agency can not report without my written instructions.

this was also violated

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 2022-07-09 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: CA

Complaint narrative:
I requested from each creditor a complete validation which includes the original contract with my signature on it. According to the FDCPA section 809 for validation. 
The creditors did not provide such documentation. The creditors are as follows, XXXX account no. XXXX .... 
XXXX account no. XXXX .... 
XXXX account no. XXXX ..... 
XXXX XXXX account no. XXXX .... 
XXXX XXXX account no. XXXX .... 

furthermore according to the FCRA 15 usc section 602A i have the right to privacy all collectors did not abide by this law and 15 use section 604A section 2 states a consumer reporting agency can not report without my written instructions.

this was also violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2022, I sent a letter to Experian requesting that they validate and verify the accounts listed in the attachment. After review all 3 major credit reports I have established that the information for this accounts are inaccurate and inconsistent with each credit reporting agency. 

Experian will provide me with thorough details of the investigation of each account. Contact name, contact telephone numbers, written details etc. All pertinent information must be received within 30 days, Electronic responses will not be accepted.

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 2022-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-07-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On Saturday XX/XX/2022 I sold my boat, motor and trailer for the amount of {$4500.00} to XXXX who is a friend of mine and is local. XXXX asked me if I would accept Venmo. I said OK because I knew others who had used it. He tried to transfer the entire {$4500.00}, however Venmo made him break it down into 3 transfers. He transferred {$500.00}, then {$1000.00}, and finally {$3000.00}. I could see the entire {$4500.00} sitting in my Venmo account. I set up my bank account information as requested ( by Venmo ) in Venmo. Was told by Venmo, they would deposit 2 small amounts into my bank account, which they did, I verified the amounts and they allowed me to transfer the {$500.00} and then the {$1000.00}. I can see in my bank account that they took back the small deposits that same day ( as expected and proves they did indeed verify my bank ). Venmo would not let me transfer the {$3000.00} and FROZE my account!! Venmo screen now shows that my " bank account is not verified '' and they are investigating something, which they will not tell me what!! I called twice and was given a very vague reason for the frozen account - " it will take 6 to 7 days to investigate ''! Why should I wait an extra week to get MY money! They are lying as they DID verify my bank account already, hence the 2 transfers of {$500.00} and {$1.00}, XXXX. I am almost XXXX XXXX XXXX and feel that I am being taken advantage of. How dare them keep MY money!!!! I spoke to my bank and they are not holding anything up so what is the problem? My bank also confirmed that Venmo did indeed verify my account with them. Is this how Venmo makes money??? I need my money made available to me to transfer into my bank account! I have a XXXXXXXX XXXX dog who is scheduled for XXXX XXXXXXXX and this is the money for that XXXX!!! I am so sick over this!!! Please help!!! Now today, I can't even log into Venmo. Changed my password as requested and am locked out. Is this some kind of sick joke???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2022, I paid the ENTIRE balance due on my Capital One credit card of {$160.00}. After paying this, on XX/XX/2022, I was assessed ( unknowingly ) an interest charge of {$3.00}. On XX/XX/2022, I was assessed a past due fee on the " interest charge '' of {$3.00}. On XX/XX/2022, I was charged XXXX interest on the past due fee and the interest fees. On XX/XX/2022, I was charged another {$6.00} past due fee. And on XX/XX/2022, I was charged XXXX for interest AGAIN. 
THIS IS PREDATORY LENDING AT ITS FINEST. I PAID THE ACCOUNT IN FULL. MY BALANCE WAS XXXX. 

AND ON TOP OF ALL OF THAT, I NOW HAVE A LATE PAYMENT ON MY CREDIT REPORT FOR THE {$3.00} INTEREST CHARGE THAT WAS ASSESSED ON A XXXX BALANCE. 

I SPENT OVER AN HOUR ON THE PHONE WITH TWO DIFFERENT ASSOCIATES, THE LAST BEING XXXX, EMPLOYEE ID # XXXX

Company response to consumer: Closed with non-monetary relief