vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: WI

Complaint narrative:
XXXX XXXX I became a Victim of Identity Theft. I notified Chase on XXXX XXXX, 2023 I was a victim of Identity Theft and I did not authorize a transaction of {$1200.00}. XXXX XXXX, 2023 I completed a police report and final narrative by the reporting officer and submitted to Chase. XXXX XXXX, 2023 I received a fraud alert text from Chase regarding charge and asking me, " Is this you? ' I replied, " NO. '' XXXX XXXX I received an email from Chase stating my credit card was successfully unlocked, per my request. I replied, " I didn't want it unlocked, I want it locked, I am a victim of Identity Theft, I need my account/profile/card Locked. Chase is saying the IP address used to complete the transaction is my IP address. I did a search on the IP address Chase gave me and the message showed : this site can't be reached, ERR-CONNECTION_FAILED. I submitted my IP address, which is NOT the one they said is mine. I provided complete documentation according to dates, transactions, name fraudster used, dates fraudsters attempted transactions, email addresses fraudsters were using to make transactions, phone # 's fraudsters were using, I provided Chase with dates & types of cards fraudsters were opening up in my name, I provided several information with dates fraudsters were using my name to apply for several types of loans, I can not believe this has continued since XXXX, 2023 with all the information/documentation and Police Report I provided. I also, forwarded an email from the Reporting Officer where he said, " I made it clear you are the victim. '' Chase continues to allow this transaction, which is making me more vulnerable and many other people by accepting this transaction from fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have received two credit cards offer from the so-called Experian. On XX/XX/XXXX, at XXXX, XXXX offered the card. And on XXXX, the offer from same email address stated XXXX your {$600.00} balance to a new card. ' I just wonder why so called Experian used its knowledge of my personal information, which was the total amount of my monthly charge, for its credit card offer. From the beginning, this company is supposed to keep the privacy of the client as a credit report company ; if my understanding is correct. Otherwise, I would like to ask you how people can determine one company is reliable, if that company uses the personal information for its own purpose. As a XXXX, it is difficult to understand.

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called a creditors and they said file a report with police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: IL

Complaint narrative:
Please remove the following inquiries that I did not authorize from my credit report XXXX. XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX i did not provide written permission or instructions for identification to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of faxt by me relevant to the reuqest to block the information related to any transaction by me as a consumer. Please delete within 4 days of reciept of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Lendmark Financial Services
State: CA

Complaint narrative:
I want these inquiries deleted I did not authorize these companies to run my credit its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Home Loan Center, Inc.
State: CA

Complaint narrative:
I want these inquiries deleted I did not authorize these companies to run my credit its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: WA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. 
I previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.

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 2023-12-07 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: WA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-07 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: WA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc.
State: CA

Complaint narrative:
1. I received communication from a random and unknown caller asking for the name of my person while I was enjoying time with my family. This call was an inconvenience as I had to step away from intimate time with them. 

2. When I asked who was calling and from what business or agency, the person calling gave me some acronym that I did not recognize and proceeded to ask for my name. Once I gave them my name, they said that they were attempting to collect a debt from me. I asked who it was again and they stated that they were " Grimm '' collections trying to collect on some medical or dental account. 

3. I then asked how did they acquire my name, number, or any information whatsoever without my permission or consent to which they proceeded to probe about some alleged XXXX XXXX XXXX  debt and asked " how I would like to pay ''. 

4. I do not see any connection between myself and this company. I do not recognize Grimm Collection as anyone I've personally done business with nor do I owe them any sort of legal obligation. 

5. I have reasons to believe HIPAA laws may have been violated by Grimm 's collections and whomever may have given them some sort of private XXXX transaction history or information because I never delivered that to them personally. 

6. I know that collection agencies buy debts at pennies on a dollar and then trick or misrepresent or manipulate regular people into pulling their hard earned money out to pay their agency which they have no relationship, connection, contract, agreement, or arrangement. 

7. The aforementioned is an example of abusive, deceptive, and unfair debt collection practices utilized by debt collectors such as Grimm collections. 

8. Grimm Collections and the Consumer Reporting Agencies do not have my consent to furnish this information and they surely do not have my written consent. 

9. Any and all consent to Grimm Collection, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX etc. whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 

10. Grimm Collections abusive actions directly affect interstate commerce and do not promote any sort of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Attached please find the important information pertaining to my case. 
NOTICE : Please be advised that I am not represented by XXXX XXXX XXXX XXXX in XXXX XXXX, CA. I have no legal representation in California. 

1. On XX/XX/XXXX, I purchased a XXXX KIA XXXX XXXX # XXXX at KIA of XXXX, CA. I requested for a trade in with my XXXX KIA XXXX XXXX # XXXX for another KIA vehicle but they refused to do so. 

On XX/XX/XXXX, I contacted KIA Finance America to request early termination of my XXXX XXXX XXXX XXXX. They said it was allowable for me to do so and surrender the vehicle to any KIA dealership such as the KIA XXXX in California in which I did. 

KIA Finance America is charging me {$14000.00} for Early Termination Fee. 

2. On XX/XX/XXXXXXXX  I was involved in a very serious car accident wherein a big rig truck side swiped my XXXX XXXX causing it to be totaled. I still suffer from injuries and discomforts from the accident. KIA Finance America was paid the totaled car value by my XXXX XXXX XXXX in the amount of {$25000.00}.

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 explanation
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove

these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE!

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a credit account with citi and someone used my card and had a payment on my card. I filed the dispute aganist that payment and it the only payment on my card. The investigation was undergoing and they reported the late payments on to my credit report and marked and it hurted my credit so bad. All my major credit companies are closing my account. My account was paid full by bank after finding out the dispute and they took off all the charges and I had XXXX amount one me but they closed my account and still have the late payments on my credit. I have no idea where to go and fix. I never had any late payments on my credit.

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 monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Affiliated Collection Service of Florida, Inc
State: CA

Complaint narrative:
I keep getting hard inquiries from misleading false advertisement false bank statements false car inquiries false tv inquiries false military inquiries false statement inquiries

Company response to consumer: Untimely response
Consumer complaint received 2023-12-07 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: UPGRADE, INC.
State: CA

Complaint narrative:
I want these inquiries deleted I did not authorize these companies to run my credit its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX, I received an email from the so-called Experian, XXXX, telling that it had recently changed to the new address ; however, this address was my current address and it had stated many times for past few weeks. If I correctly understand, this company was making a joke to state I was moved to the address, where I had lived more than 19 years recently. Or, it considers somebody called, XXXX XXXX, was moved to my current address. Don't you think this company is phishing to me?

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 2023-12-07 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: CA

Complaint narrative:
There is information being reported that is not associated with me. I have circled this information that needs to be removed. I have provided my Id and proof of address showing my true information.

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 2023-12-07 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: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation