vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX, XX/XX/XXXX To whom it may concern, Despite the US Post office showing a package being delivered, the gift sent to my friend on XX/XX/XXXX never arrived. The local mailman never brought it to her house and when the recipient went to her local post office to inquire about it with the tracking number issued by the US Post office she was made aware that the package had been received opened and damaged from the US Post office and that she could not retrieve it unless she paid {$42.00} of custom fees. 
It obviously did not make sense to pay for a package that had been opened and damaged and she requested the package to be returned to me. 
As of today XX/XX/XXXX the package was never delivered to its recipient nor returned to me, the sender. 
I paid {$26.00} with the Capital One credit card ending in XXXX and left this package under the responsibility of the US Post office to be delivered, not to be opened and probably eaten.

IMPORTANT : THE TRACKING WEBSITE WAS UPDATED TO SHOW THE PACKAGE AS " DELIVERED '' BUT THIS IS INACCURATE.

I asked the US Post office to refund me for the {$26.00} that this has cost me but they refused and are hiding under the entitled excuse that all sales are final which is neither legitimate nor valid as I was not informed of such a disposition upon shipping the package. The US Post office must be held accountable for their mediocre services. I have made a claim to be refunded but they closed it a few hours later under the excuse that the package had been delivered which is untrue as stated above.

A few weeks ago I disputed the {$26.00} transaction with Capital One but they unfairly sided with the Post Office. I have been a customer of the bank since XXXX and today I am in the challeging situation where I am fighting vs two big organisations as a anonymous individual who has no power to be refunded for a service paid that was never rendered. Please refund my card for {$26.00} and do not side with this incompetent and careless organization. 
If this matter is not promptly resolved and in my favor, I will have no other choices but to file a complaint with the XXXX XXXX XXXX and will proceed until I get refunded. Thank you in advance for your time and consideration. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: MS

Complaint narrative:
To the XXXX XXXX XXXX, I am writing to bring to your attention a matter of great concern regarding my recent examination of my credit report. Upon thorough review, I have uncovered a troubling issue the presence of fraudulent accounts that I have no knowledge of. I have initiated the process of disputing these inaccuracies and fraudulent accounts, as none of the entries on my report correspond to any transactions I have ever made. It strongly suggests that I may have become a victim of Identity Theft. 

I am dismayed to report that this is the seventh time I am attempting to address this issue. It is disheartening to witness the persistent inclusion of this inaccurate information, which continues to violate my consumer rights. I emphatically request the immediate removal of these entries, as they egregiously misrepresent my credit report. 

I trust that you will give this matter the utmost attention and ensure the necessary actions are taken promptly to rectify this grave injustice. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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:
To the Consumer Protection Bureau, I am writing to bring to your attention a matter of great concern regarding my recent examination of my credit report. Upon thorough review, I have uncovered a troubling issue the presence of fraudulent accounts that I have no knowledge of. I have initiated the process of disputing these inaccuracies and fraudulent accounts, as none of the entries on my report correspond to any transactions I have ever made. It strongly suggests that I may have become a victim of Identity Theft. 

I am dismayed to report that this is the seventh time I am attempting to address this issue. It is disheartening to witness the persistent inclusion of this inaccurate information, which continues to violate my consumer rights. I emphatically request the immediate removal of these entries, as they egregiously misrepresent my credit report. 

I trust that you will give this matter the utmost attention and ensure the necessary actions are taken promptly to rectify this grave injustice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-11-05 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: MOHELA
State: IN

Complaint narrative:
I never requested forbearance, just wanted a lower/affordable monthly payment. Now I am concerned I will lose credit for on time payments I could have made which will extend the period to get to 120 payments for forgiveness, costing more money. 

The months employed at the XXXX ( XXXX and XXXX of 2018 ) were not credited, because the XXXX never confirmed, however, if you review the provided documents ( W-2 and paystub ) it will be evident that I was in fact a full-time employee working for a qualifying employer, and therefore those two months should reflect qualified/certified periods of employment. 

Regarding my auto - debit, MOHELA website states I may have to make manual payments until the auto-debit starts, however, there is no information as to what happens if I make a payment then the auto debit makes another payment for the same month. I can not afford two payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America not giving any updates or information regarding my money being unavailable.

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 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I have on XXXX separate occasions tried to apply for XXXX ( XXXX ) plan with servicing utilizing Studentaid.gov as well as directly with the servicer Under the instruction that it would lower my payment to XXXX. I have filled out the proper forms on studentaid.gov as well as through the servicer directly. When I last spoke with the servicer they stated that the amount I would need to pay was going to be XXXX significantly lower than the latest correspondence I received ( XXXX ). I plan to call again XXXX  morning in hopes to rectify this issue but as this is the third time doing this I would like this to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I started getting credit card statements in someone's else 's name at my address. It is a Sears card through Citi. I have been returning to sender with " person not at this address ''. I also received a letter indicating that replacement cards are being issued and will be sent to my address. I have spent 2 days and called about XXXX different XXXX # 's to try and get a live person on the phone. All you get is the " Speech enabled system ''. I tried calling the corporate office phone # listed on the internet for Citigroup and got someone but she was in public affairs. The fraud phone # that is provided puts you in this same " speech enabled system '' which is comforting to say the least in the case of fraudulent activity.

I do not have a Sears card and I question whether there has been identity theft here or just a strange " clerical '' issue though I can't believe the person did not know their address.

I am seeing that I am not the only one having issues with the Citi Sears card as there are many inquiries from people on how to reach a LIVE person for Citi and/or Sears card . 

This has been maddening. I need to get this resolved and get assurances that there has been no identity theft.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Bankruptcy XXXX  XXXX / XXXX The account above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax automatically added a fraud alert to my account without notifying me. They also told me in order for them to remove my fraud alert as requested i needed to mail in documents that verified my identity. They recieved these documents via signiture over night mail with tracking number : XXXX XXXX XXXX XXXX and my report is still not available to my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request the removal of incorrect address information from my credit report. I have recently reviewed my credit report, and I have noticed that there are addresses listed that do not belong to me or are outdated. This inaccurate information is negatively impacting my credit profile and may lead to potential errors in my credit evaluation. The inaccurate addresses that I am disputing are as follows : XXXX XXXX ct XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX  XXXX Al XXXX XXXX XXXX XXXX XXXX ga XXXX I would like to emphasize that these addresses are not associated with me in any way, and I have never resided at these locations. To ensure the accuracy and fairness of my credit report, I kindly request that you promptly investigate and remove these erroneous addresses from my credit file. Enclosed with this letter, you will find copies of documents that can help verify my current and correct address : I also request that you provide me with written confirmation of the removal of these incorrect addresses from my credit report once the investigation is complete. This confirmation should be sent to the address listed above. Thank you for your prompt attention to this matter. I understand that accurate credit reporting is crucial for maintaining my financial integrity, and I trust that you will take the necessary steps to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Bankruptcy XXXX  XXXX / XXXX The account above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Bankruptcy XXXX  XXXX / XXXX The account above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request the removal of incorrect address information from my credit report. I have recently reviewed my credit report, and I have noticed that there are addresses listed that do not belong to me or are outdated. This inaccurate information is negatively impacting my credit profile and may lead to potential errors in my credit evaluation. The inaccurate addresses that I am disputing are as follows : XXXX XXXX ct XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Al XXXX XXXX XXXX XXXX XXXX ga XXXX I would like to emphasize that these addresses are not associated with me in any way, and I have never resided at these locations. To ensure the accuracy and fairness of my credit report, I kindly request that you promptly investigate and remove these erroneous addresses from my credit file. Enclosed with this letter, you will find copies of documents that can help verify my current and correct address : I also request that you provide me with written confirmation of the removal of these incorrect addresses from my credit report once the investigation is complete. This confirmation should be sent to the address listed above. Thank you for your prompt attention to this matter. I understand that accurate credit reporting is crucial for maintaining my financial integrity, and I trust that you will take the necessary steps to rectify this issue.

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 2023-11-05 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request the removal of incorrect address information from my credit report. I have recently reviewed my credit report, and I have noticed that there are addresses listed that do not belong to me or are outdated. This inaccurate information is negatively impacting my credit profile and may lead to potential errors in my credit evaluation. The inaccurate addresses that I am disputing are as follows XXXX XXXX XXXX XXXX XXXXXXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXXXXXX Al XXXX XXXX XXXX XXXX XXXX ga XXXX I would like to emphasize that these addresses are not associated with me in any way, and I have never resided at these locations. To ensure the accuracy and fairness of my credit report, I kindly request that you promptly investigate and remove these erroneous addresses from my credit file. Enclosed with this letter, you will find copies of documents that can help verify my current and correct address : I also request that you provide me with written confirmation of the removal of these incorrect addresses from my credit report once the investigation is complete. This confirmation should be sent to the address listed above. Thank you for your prompt attention to this matter. I understand that accurate credit reporting is crucial for maintaining my financial integrity, and I trust that you will take the necessary steps to rectify this issue.

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 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
Sent certified letter requesting account closure in XX/XX/2023. Company has not responded or closed my account

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 2023-11-05 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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602. A. Clearly states that 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 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have three unauthorized charges on my Navy Federal XXXX XXXX card that I didnt authorize and I submitted a dispute with Navy Federal and they initially reverse back the charges and now are denying my disputes to credit back my card. The three charges was charged at different times and I was credit back for the XXXX charge in XXXX and they came back six months later and credit it back to my card on XX/XX/2023 when charged me back for XXXX XXXX XXXX. I do not have an account with XXXX XXXX and I didnt authorize these transactions. 

XXXX XXXX {$2500.00} XX/XX/2023 XXXX XXXX XXXXXXXX {$2700.00} XX/XX/2023 XXXX. XXXX XXXX XXXX {$930.00} XX/XX/2023XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief