vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
i was never given a copy of my contract, there is only XXXX party with a wet ink signature, they initially had the wrong name of XXXX XXXX and not me XXXX XXXX, they have my mom on the account as the owner of the loan and they have me listed as an employee of their company. they also told me a down payment was necessary for me to drive the car off the lot when i know for a fact that it was a consumer credit transaction that included a finance charge which means no cash is required because cash and credit do not mix. they never informed me of the right to rescind my contract and i was never given the full disclosure so i entered into this contract unknowingly which is illegal.

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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a claim for over XXXX dollars that was directly linked to my personal belongings being stolen. The break in to my vehicle happened in XX/XX/22, I made a police report with the XXXX XXXX police department. I started noticing suspicious activity with my social security number, and soon after there was money that was taken from my chase account ( checking and savings ). I ended up making a few claims and all was successful except the last two, they were online transactions and non chase atm withdrawals. I ended up sending paperwork from the federal trade commission and the sapd police report. The chase claims department closed my claim because they said when asking me the protocol questions to the claim that they asked if I had my atm card on my possession, and I said not that atm debit card because it has already been canceled and I had a new card by then. This prompted the associate to misinterpret what I said and submitted that I said I had that debit card on my possession when this would be impossible because when I made the claim it had already been over two months and I have had three new debit cards since then and obviously they would know this because they assisted me with not only closing that card but also sending me a new card. Please help me with retrieving my money, I am struggling and this has become a very difficult thing for me to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-10-03 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: MD

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, XXXX and TRANSUNION credit bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the items that needs to be remove in files : XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$75.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed XXXX {$0.00} ; XXXX 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 2022-10-03 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: GA

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, EQUIFAX and XXXX credit bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the items that needs to be remove in files : XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$75.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX  XX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.

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 2022-10-03 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: MO

Complaint narrative:
It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: WA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter requesting that you re-investigate the disputed account from my credit report as well as place temporarily updated accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Once again, this is my personal, good-faith request for relief under the FCRA. This complaint is a formal notice that you are knowingly reporting inaccurate, incomplete, and unverifiable information regarding the account listed below. I am also disputing reporting law not whether or not an account is mine but whether or not Equifax has the verifiable proof that is required by law to have for the account listed. I am requesting proof of this alleged account, specifically the contract, note, or other instrument bearing my signature. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$11000.00}

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 2022-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights XXXX USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is XXXX XXXX submitting this XXXX complaint in regards to the correction of the information the Credit Bureaus report on my Credit File. I appreciate the time provided by the Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that the Credit reporting agencies have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items below. I need the Credit Bureaus to verify the following items : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) XXXX  XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016. I have been consulting my legal aide as they say that they are willing to deliver my concern to a federal court and have the Credit Bureaus explain for themselves if ever the Credit Bureaus do not oblige with their Federal responsibility. Once again, I need the Credit Bureaus to updated an correct what are needed to be corrected and remove those that must be removed.

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 2022-10-03 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: MO

Complaint narrative:
This is XXXX XXXX submitting this XXXX complaint in regards to the correction of the information the Credit Bureaus report on my Credit File. I appreciate the time provided by the Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that the Credit reporting agencies have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items below. I need the Credit Bureaus to verify the following items : XXXX  XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) XXXX  XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016. I have been consulting my legal aide as they say that they are willing to deliver my concern to a federal court and have the Credit Bureaus explain for themselves if ever the Credit Bureaus do not oblige with their Federal responsibility. Once again, I need the Credit Bureaus to updated an correct what are needed to be corrected and remove those that must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-10-03 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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