vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I would be charged in regards of not having enough funds on my account, and not using my card enough times. I would be charged like {$10.00} or more because I had not enough money on my account. I was dealing with not working enough so I was struggling with money. I had to turn to my credit card to pay for everything, and obviously at some points I couldnt even pay my credit card so I was getting charged even more on my 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 explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one 360 closed XXXX of my checking accounts and savings accounts without warning. I was told they conducted an internal review of my accounts and decided to end the banking relationship without any cause given. I spoke to several representatives who also informed me that I would not be able to withdraw my funds until the investigation- of which i do not know what they are investigating- was completed. I was given no warning, no indication that I had done anything to warrant this issue. 

All the while, I have no cash on hand- I can not drive to work and have a medical condition that requires medication and visits to my physician to manage. Without access to my funds, I am unable to care for myself. I also do not have the ability to purchase any food, and have no other financial support. 

I disputed XXXX transactions from a merchant ( Grub hub ), because both orders were not delivered ; I contacted Grub hub customer service to resolve, but they would not provide me with a refund, and so I disputed the transactions with Capital One. I have screenshots of the customer service conversation with XXXX to verify I contacted them and that they would not provide a refund. 

That is all that I can think of that would have prompted capital one closing my accounts. 
Without access to my funds, my health is at risk. 

If this is not resolved immediately, I will seek further legal action ; capital one is preventing me from being able to have health and safety and will not provide me with adequate documentation or resolve of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 61XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello I see a charged off on my credit report under this name XXXX XXXX XXXX XXXX XXXX XXXX. I've send a letter to Experian and XXXX with a detail letter. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropiate, based on the results of the reinvestigation : and

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION
State: NE

Complaint narrative:
Received a report from XXXX  that my social security number was associated with another individuals account. Contacted XXXX and they states that the inquiry was made by oportun bank. Called oportun bank, and they stated that they do not have the ability to search for my social security number or associate it to an account, and they could only see the last four digits of it, and thus could not provide me with any information on what account may have been fraudulently opened using this social security number. Thus, ai could not obtain documents relating to any fraudulent transactions that may have been made or loan accounts that may have been opened using my personal information in violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've been a loyal customer with you guys since XXXX  already spoke with a representative from your company. They said to file a claim with you guys Including Increasing Minimum Payment and the Interest Rates and getting Compensated for the amount that was spend fixing a problem that shouldn't even occurred. the amount that was spent was XXXX amounts fixing my bank account. This company has been having problems lately, the company always fix the problem great customer service would appreciate. 

Spoke to Wells Frago they said to file a claim for my account and the money. I lost because of your company. problems happen around XXXX, more it interests every time, and my account was on hold because of the problems going on.

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Each of XXXX Credit Bureau 's received credit report updates on my student loans Theyve been paid off My credit score did NOT XXXX up like many others I continue to have a score thats classified as " poor '' and below 600 and Im not able to secure any credit despite the bureau 's sending me recommendations on Credit cards in last 60 days to Build my credit. 
The information is mismatched. Also, Equifax and XXXX show me LATE on XXXX student loans But my loans are PAID to XXXX balance And while on my credit they were in Deferrment This is making a challenge to get any credit I apply for I also work with a system called XXXX I unlike my colleagues keep having IT issues impact mywprk under my pprofile I addressed this but the credit bureau denied their being linked onto my credit profile. 
I had a FREEZE on my credit file and despite that they permitted XXXX to PULL my credit. 
I asked their accounting dept and they said they dpnt know how their compuer XXXX system let that inquiry happen but they also concerned about XXXX policy. 
Every single time I request credit access into Equifax, My Login credentials Do Not work I always hace to stop and call in and redual ex after hang ups and finally talk XXXX a rep Today a rep had to HELP me get access to my acvount to manage a freeze and it took me XXXX minutes on the phone to gain access This is Typical pattern for ME when I sttempt to do anything with my own Equifax reports At times it happens with the others Adfitionally they continue putting a OLD Emploer on my profile from another state This practuce has hone on XXXX years for XXXX business and XXXX years for a NY XXXX credit company I worked at as a part time Temp XXXX yr after graduating high school!!!! 
Another is XXXX I had a on job complaint XXXX case with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I went to XXXX  office, where they would read me the tests sent by the dr , the dr indicated XXXX XXXX  and they told me that insurance did not cover it, I asked how much I should pay and they told me {$350.00}, I said ok I'll pay it, and I paid it, They put me on XXXX XXXX a few months later I get a bill that owed {$40.00}, I called XXXX times and they didn't give me an answer, they would call me later and nothing and now I get a letter from a debit collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
For the past XXXX  years I have been paying for a " Credit life insurance fee '' plan on my best buy credit card without knowing. The charge shows up as XXXX on my statement. The amount charged each month also varies from month to month, sometimes its XXXX XXXX, other times its {$20.00}, XXXX, XXXX etc.They say I clicked a box when I applied for the best buy credit card that enrolled me. I don't recall signing up for any service. I was in the Best Buy store when I applied for their credit card, and just filled out my info and signed my name in person, I don't recall clicking any box for services nor have I done any such thing before for any of my other credit cards.

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 2023-02-11 00:00:00
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
XX/XX/2021, I purchased a vacation package from XXXX XXXX XXXX for {$4400.00} using a credit card issued to me by the Navy Credit Union. I did not receive a vacation package nor a refund. I contacted the Navy Credit which is the issuer of the credit card and they fail to reimburse me, knowing I did not receive a vacation package nor a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for information on Equifax credit report that is inaccurate, to no avail! 
It still has not been removed, nor have they contacted me about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK
XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX TX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX

FCRA Violation:  credit card not mine
XXXX XXXX XXXX XXXXXXXX XXXX  
FCRA  Violation: other loan never late XXXX XXXX XXXX

FCRA Violation: other loan not mine
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: collection not mine
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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