vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This was at least XXXX yrs ago or more.I had a good credit score and when applied for a credit card, Citi denied it. I had to figure something else and re-open an old card. I had problems and wasnt sure what caused it I didnt have ma y accounts open either. That was surprising.

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 2023-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Personal Cash Loans of SC, Inc.
State: GA

Complaint narrative:
XXXX XXXX - XXXX ( GA, who apparently is a subsidiary of or owned by Kinsmith Finance... 

XXXX XXXX calls me and texts me with harassing or threatening calls XXXX to XXXX  times a day. They also took the people/phone numbers i listed as references and call those people ( my XXXX, XXXX friends, and my boss ) XXXX to XXXX  times every day. 
All of us have told XXXX XXXX and XXXX at XXXX XXXX ( XXXX # XXXX ) to stop calling and stop threatening and harassing us via phone or other electronic means and they refuse to stop. They call me and my listed 'references ' every day from both the company phone and use their personal cell phones as well to disguse who is calling. 
This company and its employees have laughed at my request for them to stop calling and told me they will not stop. I have screen shots of all the recent calls and texts that I can hopefully attach to this. 
I have made my payments I owed and altho my currecnt payment is late, I have told them the date I will be there to make the payment, and requested they stop calling, and they laugh at me via text/phone and threaten to, and DO, continue calling every day. 
XXXX XXXX has now gotten me in trouble at work because they asked for my bosses number on the loan application. But they use his number to call my boss and harass HIM about my loan. It's scary and disrepectful and sad that these people would go so far as to possibly get me fired from my job over a {$400.00} loan. Of which Ive already paid back {$400.00} and now owe 100 % of that again in interest because these people are loan shark criminals. 
Attached is a couple screenshots of both their company number and an employees personal cell number being used to call me and my wife over just the last week or so. Dozens of calls. Also attached is some threatening texts they've sent me. 
The texts are ALL from XXXX and XXXX XXXX XXXX XXXX XXXX and employee ) because their is no legal method through their business for them to text me. So they illegally harass me via their personal phones. That's why the numbers are different from the business. But rest assured it is obviously them harassing me. They texted a picture of the loan papers so I can use that as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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:
Company Name : XXXX XXXX Account Number : XXXX Briefly explain your complaint : I am disputing an account on my Equifax credit report with the following details : Creditor : XXXX XXXX Account Number : XXXX I was listed as an authorized user on this account, and it is not mine. Despite my efforts to resolve the issue with both Equifax and the creditor, the incorrect information persists on my credit report. This inaccuracy is negatively impacting my credit score, and I am seeking assistance in having it promptly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I did not give consent or have any knowledge of the inquiry on my credit report XX/XX/2023 JPmorgan chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello My name is XXXX XXXX. I have attached Proof of my name being XXXX XXXX by adding my Drivers License, Social Security, Naturalization, and Voter ID which should be plenty. 

The problem is the incorrect name keeps appearing on my credit reports and it is not me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc are all incorrect names and should be deleted. 

Again, Correct Name : XXXX XXXX Incorrect Names that need Deletion : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX It also appears, XXXX has Kept Many Accounts on my credit report that are not mine. Both XXXX and Transunion deleted all accounts associated with XXXX XXXX which may be mixed up with my fathers name, he went by XXXX XXXX XXXX and and also XXXX XXXX XXXX, he had XXXX middle names. 

I have written XXXX several times regarding errors to accounts, identity theft, or anything possible to have my credit report cleaned up since they do nothing but " verify accounts and names '' that do not belong to me but perhaps a family member. 

Again, I have no credit in the United States yet, My name is XXXX XXXX My Social ends in XXXX and I have attached proof. 
I recently became a XXXX XXXX XXXX XXXX  and have obtained no credit previously. No credit should be on my credit report. 

I traveled from XXXX to the United States and stayed here month off and month on for several since XX/XX/2020 when my father was ill of XXXX. Recently I moved here and XXXX XXXX XXXX. However I have never had a credit card or home or loan in the United States. 

Please Have XXXX Wipe my credit report with nothing as XXXX and Trans Union have done. Something weird has occurred on my credit report with XXXX and this person is not me... XXXX XXXX XXXX, XXXX XXXX XXXX, etc I am 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 explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello My name is XXXX XXXX. I have attached Proof of my name being XXXX XXXX by adding my Drivers License, Social Security, Naturalization, and Voter ID which should be plenty. 

The problem is the incorrect name keeps appearing on my credit reports and it is not me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc are all incorrect names and should be deleted. 

Again, Correct Name : XXXX XXXX Incorrect Names that need Deletion : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX It also appears, XXXX has Kept Many Accounts on my credit report that are not mine. Both Equifax and XXXX deleted all accounts associated with XXXX XXXX which XXXX be mixed up with my fathers name, he went by XXXX XXXX XXXX and and also XXXX XXXX XXXX, he had XXXX middle names. 

I have written XXXX several times regarding errors to accounts, identity theft, or anything possible to have my credit report cleaned up since they do nothing but " verify accounts and names '' that do not belong to me but perhaps a family member. 

Again, I have no credit in the United States yet, My name is XXXX XXXX My Social ends in XXXX and I have attached proof. 
I recently became a XXXX of this country and have obtained no credit previously. No credit should be on my credit report. 

I traveled from XXXX to the United States and stayed here month off and month on for several since XXXX  when my father was ill of XXXX. Recently I moved here and became a XXXX. However I have never had a credit card or home or loan in the United States. 

Please Have XXXX Wipe my credit report with nothing as Equifax and XXXX XXXX have done. Something weird has occurred on my credit report with XXXX and this person is not me... XXXX XXXX XXXX, XXXX XXXX XXXX, etc I am XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This is XXXX  XXXX XXXX 's Debt. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by XXXX  XXXX XXXX. 
Within the next XXXX months I reported the fraudulent charges to XXXX  XXXX XXXX, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This is XXXX  XXXX XXXX 's XXXX. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by XXXX  XXXX XXXX. 
Within the next XXXX months I reported the fraudulent charges to XXXX  XXXX XXXX, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This is XXXX  XXXX XXXX 's Debt. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by XXXX  XXXX XXXX. 
Within the next XXXX months I reported the fraudulent charges to XXXX  XXXX XXXX, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.

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 2023-12-03 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX I demand this be taking off my credit report immediately this is Account number not supposed to be on my report XXXX Open/closed Open Date opened XX/XX/2012 Account type Child SupportContact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX I demand this be taking off my credit report immediately this is Account number not supposed to be on my report XXXX Open/closed Open Date opened XX/XX/2012 Account type Child SupportContact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( 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 explanation
Consumer complaint received 2023-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please remove this account 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 non-monetary relief
Consumer complaint received 2023-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not give consent or have any knowledge of the inquiry on my credit report XX/XX/2023 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 explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: IN

Complaint narrative:
I have had to take a loan through credit fresh because I fell on hard times and needed the money. Well Ive been paying on the account for well over a year at this rate. It seems like the balance has never gone under the XXXX  its at, if anything it just constantly goes up on its own. My payments were roughly XXXX every XXXX weeks for awhile. Then just recently they were so nice to introduce this new program called the credit evolution program my payment was supposed to go down to XXXX dollars every XXXX weeks. It did for all of about XXXX or XXXX payments. Since then it has done nothing but go up even higher than my original XXXX. My next payment is set to be XXXX dollars. My balance is clearly under the XXXX dollar limit for a lower payment. Ive tried contacting them about this issue before and they were no help. Claiming things such as thats just how the cycle charges work. When I go to their website to try and get my account statements they will not display. Almost as if the link is broken and there is no other area or option on the website to get them from. This lender is very predatory and unclear with how they do things. The fact that they are able to get away with just changing peoples payments on a whim is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: AL

Complaint narrative:
I am a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over XXXX  years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the XXXX window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over XXXX  years. The credit bureaus are not following their own laws. Its been over XXXX  days. Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX  # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.

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 2023-12-03 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: AL

Complaint narrative:
I am a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over 10 years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the XXXX window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. Accounts such as XXXX XXXX XXXX continue to violate my XXXX XXXX rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX  # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX  # XXXX XXXX  # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.

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 2023-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Movement Mortgage LLC
State: HI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Movement Mortgage concerning the handling of my FHA loan assumption process. My name is XXXX XXXX, and I hold a mortgage loan ( Loan Number : XXXX ) for the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Background : I had been in contact with customer service representatives at Movement Mortgage and received both verbal and written confirmations that a qualified investor could assume my FHA loan. Based on this information, I proceeded to secure a buyer who is an investor for my property. 

Issue at Hand : Contrary to the assurances provided by Movement Mortgage, the company has now informed the buyer that due to his status as an investor, he can not assume the loan. This contradiction is not only perplexing but also detrimental to my interests, as I acted based on the initial information provided by Movement Mortgage. 

Furthermore, the FHA website clearly states that FHA loans are assumable by investors, which directly contradicts the information now being provided by Movement Mortgage. 

Demand for Action : I urge the CFPB to investigate this matter and ensure that Movement Mortgage honors its initial commitment, allowing the loan assumption by the investor buyer without further delay. 

I have suffered significant distress and potential financial harm due to this miscommunication and inconsistency on the part of Movement Mortgage. I seek a swift resolution to this matter and hope that this complaint will prompt the necessary corrective action. 

Thank you for your attention to this matter. I am willing to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation