vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been banking with Wells Fargo since XXXX when it was XXXX XXXX. 

My local Wells Fargo branch in XXXX XXXX XXXX MD is where I did the majority of my banking. 

I would go to the branch to do deposits and my account was a primary checking account preferred customer. One of my children is XXXX and would be with me and her attention is very short. 
The sales associates at the front counter were always trying to get me to sit down with one of there sales banking representatives or the manager. I explained many times I was ok with my account at there bank and was not interested in other bank services.This harassment went on regularly. 
We ran into some financial difficulties with my child attending hospital and getting XXXX XXXX outside the home.We defaulted on our junior lein on our home. 

Recently Wells Fargo contacted me about our accounts with them and reviewed the history with me. XX/XX/XXXX there is a credit card denial and went over the reasons. 
I have an active credit card with Wells Fargo for many years. I never applied for this card in XXXX and they said they have no history of me applying .This is identity fraud FULL STOP. 

In XXXX I did apply for a home equity loan with Wells Fargo to pay our delinquent junior lein on our home. The application was denied because of the serious delinquency we had. 
I can understand why they rejected the home equity application but I feel when we were trying to building our credit score back up sales representative runs my credit and tried to open a credit account so he could earn commissions.

My credit score would drop down more when the rep pulled my credit for the credit card. 
I am trying to rebuild and some sales representative drags my score down more. 
I would like to talk to some senior management on this matter. 
Respectfully, 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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
mortage settlements in attorney general website were my homes ande now im the exe4cutor for XXXX XXXX banks XXXX XXXX college fraud and students stealing i have no statue of limitations they made law its legal to murder me by XX/XX/2022 and i withgout funds car home and have zillions each county

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : 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 2022-01-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus XXXX equifax XXXX about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. XXXX XXXX  on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX on my credit report from when my ex wife XXXX  my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: LendingPoint Holdings LLC
State: CA

Complaint narrative:
I sent letter to XXXXLENDING /Lending Point dated XX/XX/2022. The letter contained a NOTICE AND DEMAND FOR SETTLEMENT OF INQUIRY ON CONSUMER REPORT notarized and sent certified mail. Pursuant 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX ) I have not initiated any transaction with XXXX/LENDINGPOINT. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) XXXX/LENDINGPOINT for review or Collection.

pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15U.S.C. 1681n ]. 
I disputed inaccuracies on my consumer file with all 3 major consumer reporting agencies on XX/XX/2022 with no response to my complaints or demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Absolute Resolutions Investments claims a right to collect a debt from me of {$3900.00} and a right to report bad credit to my credit reports.. 
On XX/XX/XXXX they broke the Fair Debt Collections Practices Act by discussing my credit reporting while trying to collect, something the Consumer Financial Protection Bureau warned them in XX/XX/XXXX. My CA-DOJ registered XXXX XXXX XXXX XXXX XXXX under my Power of Attorney was told, " If you are looking for a deletion I would start by paying in full '' instead of the 75 % off they were willing to settle for if I did not want credit report deletion.. 

The company is also violating the CA Consumer Credit Reporting Agencies Act with inaccurate reporting on my credit reports regarding the account " date opened '' and the " date of last activity '' with XXXX, the original creditor they say they bought collection rights from.. 

Finally, XXXX previously sold my defaulted debt before it defaulted. XXXX makes offers of debt sales on their website and reports the sales to the XXXX XXXX XXXX XXXX XXXX, it is all public information. This means Absolute is lying and trying to defraud me with a claim of rights to collect. I am sure that Absolute commits this fraud on many Calif consumer, they even file lawsuits with no standing to convey to a CA court of law = Abuse of Process, Abuse of Court Process, Undue influence, Unfair & Unlawful business practices, fraud and more. PLEASE CONTACT ME BY EMAIL FOR EVIDENCE OF WHAT I JUST SAID.. 

To the best of my knowledge the above is true. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: FL

Complaint narrative:
I suspect fraudulent activity from ACCOUNT # XXXX XXXX XXXX XXXX.I have attempted to Validate this account that doesnt belong to me but the company didnt respond within the 30 day window as it must under the FCRA It has failed to validate this debt all that has been provided is a company letterhead with a account # they claim to be mine as you will see in the attached correspondence please remove this account immediately from my consumer report immediately as I consider it a fraudulent account that has violated my rights under the the FDCPA, FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: FL

Complaint narrative:
I suspect fraudulent activity from ACCOUNT # XXXX XXXX XXXX XXXX.I have attempted to Validate this account that doesnt belong to me but the company didnt respond within the 30 day window as it must under the FCRA It has failed to validate this debt all that has been provided is a company letterhead with a account # they claim to be mine as you will see in the attached correspondence please remove this account immediately from my consumer report immediately as I consider it a fraudulent account that has violated my rights under the the FDCPA, FCRA.

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 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
On XX/XX/XXXX I asked for a credit line increase. I had a credit limit of {$9600.00}. I was approved for only a {$1000.00} increase and they pulled a hard inquiry on my credit. I wanted a larger increase for a trip I would will taking in the XXXX. My credit score is XXXX and I have been a customer for over 10 years with no derogatory credit information. I called back to inquire if I could get a larger increase without another hard inquiry on my credit. TD Bank said they would try for a larger amount and let me know via letter. On XX/XX/XXXX I received a letter stating that I was not approved for the increase because I have sufficient credit with TD Bank. This letter does not indicate any negative information that would explain a denial. I think their Adverse Action letters have an issue along with their underwriting process. I tried to call TD Bank on XX/XX/XXXX for an explanation. The bank would not talk to me and told me to call back and they would put in a request and someone might call me back. I asked for a manager and had my friend who works at a bank on the line with me to help ask the appropriate questions regarding their letter that made no sense. The representative said I am not allowed to give permission to talk with my friend on the phone line and when we said we would file a CFPB complaint in order to get some help- the Representative hung up on us. I need to understand why there is nothing negative in the adverse action letter and an actual reason why I can not have a credit line increase with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Armstrong and Associates, Inc
State: MS

Complaint narrative:
They called my phone 11 times within an hour today XXXX. They call my phone over 5 times everytime they call me even after they have been sent a cease and desist letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CA

Complaint narrative:
Experian has to remove inquiry placed on my credit file by XXXX XXXX XXXX per XXXX  request dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX because They were both unauthorized and the furnishers request to remove the unauthorized inquiries Is attached. Please remove the unauthorized inquiries from my credit file and send me a copy of my updated credit file to the address on file.

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 2022-01-19 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: IL

Complaint narrative:
i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus XXXX  XXXX transunion about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. XXXX XXXX  on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX on my credit report from when my ex wife XXXX my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.

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 2022-01-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus experian XXXX XXXX about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. child support on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX  on my credit report from when my ex wife XXXX  my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.

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 2022-01-19 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: KY

Complaint narrative:
I noticed several hard inquiries on my Transunion and XXXX Credit Reports that do not belong to me. Ive reached out to the creditors as well as Transunion amd XXXX informing them they were fraudulent and no one helped me. Just gave me the run around. 

Unauthorized Hard Inquiry Listed on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX  XXXX XXXXXXXX, 2021 XXXX XXXX Inquires Listed on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX, 2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 2021

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 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
2013 online loan was made and paid. Then next loan was made and payment withdrawn early from my bank account. I contacted the comptroller who wrote a letter stating that the contractual agreement was broken by XXXX  and had the funds returned to my bank account. The letter was presented to my bank. My bank suggested closing the account after multiple attempts were made by XXXX to collect. XXXX continues to try to collect this payment and late fees and bars me from any of their establishments and affiliates. 

On today, I was given this collection letter with this address Ad XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX N. XXXX XXXX, XXXX, Kansas XXXX. They also operate under XXXX XXXX XXXX, XXXX, Kansas XXXX. This address was given to me by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX claims a right to collect a debt from me of {$3900.00} and a right to report bad credit to my credit reports.. 
On XX/XX/XXXX they broke the Fair Debt Collections Practices Act by discussing my credit reporting while trying to collect, something the Consumer Financial Protection Bureau warned them in XX/XX/XXXX. My XXXX registered & bonded XXXX XXXX XXXX under my Power of Attorney was told, " If you are looking for a deletion I would start by paying in full '' instead of the 75 % off they were willing to settle for if I did not want credit report deletion.. 

The company is also violating the CA Consumer Credit Reporting Agencies Act with inaccurate reporting on my credit reports regarding the account " date opened '' and the " date of last activity '' with Citibank, the original creditor they say they bought collection rights from.. 

Finally, Citibank previously sold my defaulted debt before it defaulted. Citibank makes offers of debt sales on their website and reports the sales to the US XXXX XXXX XXXX XXXX, it is all public information. This means XXXX is lying and trying to defraud me with a claim of rights to collect. I am sure that XXXX  commits this fraud on many Calif consumer, they even file lawsuits with no standing to convey to a CA court of law = Abuse of Process, Abuse of Court Process, Undue influence, Unfair & Unlawful business practices, fraud and more. PLEASE CONTACT ME BY EMAIL FOR EVIDENCE OF WHAT I JUST SAID.. 

To the best of my knowledge the above is true. 
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