vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: Omega RMS, LLC
State: CA

Complaint narrative:
This company omega rms has violated my rights as a consumer and upon request they have provided any documentation linking my or proving I am reliable for this debt. They stated that they mailed out a letter to validate debt I have not received it. They have no prove it was sent and if it was it was sent to the wrong address on purpose. They are using illegal tactics to try to make me liable for this account that I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I filed a dispute on blue tooth wireless headphones and a gaming controller that are both defective, Order date for headphones is : XXXX XXXX oder # XXXX - XXXX - XXXX dollar amount {$24.00}. The gaming controller was ordered on XXXX XXXX order # XXXX - XXXX - XXXX dollar amount is {$30.00}, I received the headphones on XXXXXXXX XXXX  received the gaming controller on XXXX XXXX,, The issues with both items occurred between XX/XX/year> & XX/XX/year>, also between those times, after speaking with representatives with Chase Visa concerning the defective products ordered from. Amazon I was told I would receive a temporary credit within 48 hrs to 7 buisness days, after speaking with a Chase Visa Card supervisor on XX/XX/year> at XXXX I was told I have to wait 15 calender days for the merchant to refund the funds back onto the Chase Visa Card, if the Merchant refuses, then I will receive a temporary credit for the disputed amount, but according to Chase Visa Online information It states the account holder will receive a temporary credit within 48 hour to 10 days, which equates to the Supervisor Lying to me, also the disputed merchandise is no longer in my possession, and all contents inside the package was mailed to the address associated with the transaction activity details concerning both disputed charges, the address both disputed items were mailed to is XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX, I paid for shipping at a XXXX Store in XXXX GA in the amountof {$21.00} with my Chase Visa Card , tracking # is XXXX On XX/XX/year>, the impression that I'm receiving from Chase Visa leads me to believe that since the card is also associated with Amazon Prime Chase Visa Bank jas obligated itself to better accommodate the Merchant in an fraudulent and manipulative way, bottom line I no longer have the merchandise being disputed, based on Chase Visa, own, information the temporary credit shouldn't take 15 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-05 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:
I have been dealing with this for months with TransUnion and I will file legal action against them. As i been stating for months this account is not mines. My credit report was merged with someone file with the same name as me and i provided proof the social were off. And my name spelling XXXX and XXXX have deleted this account, but TransUnion won't budge I will now begin to file legal action if this account is not removed in 4 days. Due to idenity theft you guys are required by law to delete in accurate information on my credit file. Yet you still post them to my credit report. I will now move on to the next steps. I have attached ftc reports and did everything I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: NV

Complaint narrative:
I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: NV

Complaint narrative:
I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A XXXX credit card was opened in my name, and a charge of over {$300.00}. Was charged to this card.I call the chase and spoke with 5 different agents of chase overseas and language barrier.To boot I have XXXX XXXX.adding to the frustration is that I told them this was a fraudulent card and they all asked for the card number.Never received a card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Remove these inquiries, as I'm unaware of them and they were conducted without my consent by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: MO

Complaint narrative:
I made a payment to Mohela in the amount of XXXX toward XXXX of my student loans on XX/XX/2023. Initially, the amount was applied to those loans. I later requested for a refund of payments made between XX/XX/2023 and XX/XX/2023. They agreed to refund my payments, but I never received the refund. My balances were reinstated to what they were before the payment. The transaction of XXXX was deleted from my payment history. I have asked for XXXX  months about this issue and Mohela just ignores me or responds XXXX weeks later with something that is not even helpful. They have taken my money and now it is as if I never made the payment. I have the confirmation email from the payment as well as my bank statements proving they withdrew the money and never refunded it or applied it to my balance. They stole XXXX from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  XXXX Account name : XXXX  XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : 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 2024-04-05 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Formerly XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : 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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
THIS COMPANY IS KEEP REPORTING NIGATIVE ITEMS ON MY CREDIT REPORT, I AM A VICTIM OF IDENTITY FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands 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 2024-04-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am writing to you asking for your assistance in dealing with an issue that I am having with Wells Fargo. 

On XX/XX/XXXX, Wells Fargo closed out my three accounts without my knowledge or consent. I was not aware that they had closed out the accounts, until I attempted to use my debit card. 

On multiple visits to different bank locations and numerous calls to Wells Fargo customer service, I was told they could not locate any account information for me. I do not have the dates for these visits and calls, but as stated there were numerous. 

I became concerned that my accounts with Wells Fargo had been scammed. 

I then requested my sister to assist with the matter and on XX/XX/XXXX, we placed a three-way call to a customer service rep at the XXXX. The rep advised that she could not help with the issue and provided a phone number of XXXX ( my sister and I confirmed the phone number, each writing it down at the time it was given. ) On XX/XX/XXXX, we placed a call to this number which turned out to be a non-working number. 
We then called Wells Fargo customer service XXXX. We were told that the previous customer service representative had given us erroneous information and that Wells Fargo did not have a phone number of XXXX. 

After researching our problem, the rep advised that cashiers checks were mailed to my street address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. She assured us that she would put a stop payment on the checks and that I could go to the branch at any time following our conversation and the branch would reissue other cashier 's checks for the balance of the three accounts. She also assured us there would be no problem doing this. 

When I followed up at the branch the next day on XX/XX/XXXX, I was again informed I had been given erroneous information and they could not issue the cashier 's checks on a closed account and even suggested that the only way to resolve this problem would likely involve hiring an attorney. 

On the same day, my sister and I made another call to the same 800 #. We were told that we had again had been given erroneous information. This time we were told that I needed to go back to the branch office and they would put a stop payment on the cashiers checks. The rep provided the cashiers check information ( check # s, serial numbers, amounts ) and advised if the banker had any problems to call XXXX XXXX and any representative could help. 

When I returned to the branch, the banker who assisted me called this phone number and was transferred 4 times before anyone could help us. However, I was given two options 1 ) pay 2 % of the check amounts for the stop pay ; 2 ) wait an additional 90 days to see if the checks showed up.

Neither one of these options is acceptable.

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