vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have inquiries on my credit report that do not belong to me 1. XXXX XXXX XX/XX/2020 2. XXXX XXXX XX/XX/2020 3. XXXX XX/XX/2020 4. XXXX XXXX  XX/XX/2020

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 2022-03-04 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
On or about XX/XX/2022, I was notified through a credit monitoring agency that an account was submitted as a collection account by CSA of XXXX in the amount of {$100.00}. I disputed this account as not belonging to me. Within a few days, I was notified the account was verified. In an attempt to narrow down how and who this account belonged to, I reached out the collection agency. I spoke with XXXX, A representative at CSA. XXXX of CSA advised the account belonged to my minor son. I requested a copy of documents indicating I signed as a guarantor, original creditor, and an itemized statement. 

The collection company advised they did not have the requested information except the name of the original creditor. CSA was unable to provide me any information for the original creditor except the name and amount. I asked to explain how they received my order to receive my information or my sons, the agency was unable to provide the information. I researched the original medical creditor on my own. I was then advised, not only did I not owe any bills for myself or my son, the medical creditor advised they never used this collection agency. I was advised medical accounts for myself and my were paid in full and never submitted to any collection agency. 

The XXXX bureau should not have been able to verify this account as belonging to me without violating HIPPA rights for both my son and myself. I spoke with an agent named XXXX, at XXXX on XX/XX/2022 to determine what methods XXXX used to verify the account belonged the account belonged to me. XXXX advised me that the methods used was simply calling the creditor to determine if the SSN and DOB were correct. XXXX advised XXXX doesnt request supporting information from creditors to verify accounts. XXXX advised if I wanted to dispute further, I would need to file a police report or file a complaint with FTCA.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
INQUIRES ON MY CREDIT REPORT I DID NOT AUTHORIZE XXXX PAYPAL XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
Certified mailing # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, stating that People 's United Bank, N.A. was loaned the promissory note, and per GAAP has a liability equal to its value, no response. 
XXXX XXXX XXXX XXXX XXXX, XXXX Cease and Desist Notice ( engagement letter ), stating failure to respond to the previous eight ( 8 ) certified mailings was agreement to terms and all further contact would be considered contracting with and engaging the consultation services of XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX, XXXXNotice of dishonor through non performance, non response from notary. XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$100000.00}, due immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX Notice of Default Notice of Estoppel by inaction. 
XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX -Notice that accounts XXXX, and XXXX have a XXXX dollar balance, Notice of exposures and liabilities to 15 U.S Code 1638 ( 2 ) ( A ) ( i ) ( ii ) ( iii ), B ( ii ) ( iii ) ( iv ), and 15 U.S Code 1692e ( 1 ) ( 2 ) ( A ), ( 9 ). 
XXXX XXXX XXXX XXXX XXXX, XXXX Billing Notice Opportunity to Cure, Notice of exposures and liabilities to 39 U.S Code 3001 ( d ) ( 1 ) ( 2 ) ( A ) Filed with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXiling Number XXXX : XXXX : XX/XX/XXXX XXXX, amended XX/XX/XXXX, am XXXX Total Due {$150000.00}. 
In spite of the above Peoples United Bank, N.A. continues with False and Misleading statements, and inaccurate filings, for more than 3000 days on these two accounts. 
Further, pursuant UCC 3-311, Peoples United Bank , N.A. received tender of payment in full satisfaction of Peoples United Bank, N.A. claims on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. To date Peoples United Bank, N.A. has exercised ownership rights over the viable commercial paper without settling the accounting or providing notice of dishonor pursuant UCC 3-505.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase shut down my accounts .... XXXX .... XXXX For no reason. Utilization is low and I do not engage in risky behavior

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: MI

Complaint narrative:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax, XXXX XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This is the second attempt to get the requested information from the XXXX letters sent to Equifax. PLEASE SEND THE REQUESTED INFORMATION OR DELETE THIS ACCOUNT FROM MY NAME/ CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NJ

Complaint narrative:
I, XXXX : XXXX, am a federally protected consumer and living being, submitting this complaint against Experian without any influence from any third party or agency. I advise you to see the attached documentation as it contains my full complaint and demands. On XX/XX/2022 I mailed a dispute letter to Experian to remove Bankruptcy Ref # XXXX from my consumer report. On XX/XX/2022 Experian received my letter, as confirmed with the attached return receipt. On XX/XX/2022 Experian claimed to have done an investigation ( Report # XXXX ) and that the " company that reported the information certified to Experian that the information is accurate ''. This is fraud because US BANKRUPTCY COURT XXXX XXXXXXXX does not furnish this information to CRA 's, including but not limited to the 3 major reporting agencies and the minors such as XXXX XXXX, XXXX  and the likes. It is not within the policies or obligations of the US BANKRUPTCY COURT XXXX XXXX to validate any public records. This violates my right to privacy and permissible purposes 15 U.S.C 1681b ( a ) ( 2 ) because I did not give Experian or any other credit reporting agencies permission or consent to furnish this information to my consumer report. If Experian actually conducted an investigative consumer report then I demand they provide me with the disclosures pursuant to 15 USC 1681d.

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 2022-03-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
It is easier for Experian to ignore all my complaints instead of doing a proper investigation or hust asking XXXX  if they are reporting properly. I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/2017 for XXXX XXXX XXXX XXXX ( XXXX  ). Experian dodges liability by refusing to PROPERLY investigate. XXXX  didnt have permissible and plays games to make it go away. Experian asks XXXX  if they did what is right and they say yes. It is time for Experian to do business as the caretaker of my personal information, investigate, and get a copy of the permissible permission. It doesnt exist and led to a fraud loan.

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 2022-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I requested a personal loan for 100,000 thousand dollars from Wells Fargo branch ( XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) on XX/XX/2022. Personally, I have close to 300,000 dollars in a portfolio account with Wells Fargo. I requested the financial advisers/loan customer service representatives to speak XXXX since I feel more comfortable speaking my native tongue. All the details of the loan notes were written clearly by XXXX XXXX XXXX relationship banker of Wells Fargo Bank, XXXX XXXX. I believe a few days later, I was contacted by white financial advisers from Wells Fargo regarding my loan application, I requested to speak to a XXXX speaker representative/translator my request was denied. Again, the white financial advisers in condescending manner ask the same questions that XXXX XXXX XXXX ( relationship banker ) already explain in detail in his notes sent to the loan/financial adviser department. I told them I felt discriminated and I needed a XXXX speaker representative or translator and I was totally ignore. I open up an internal investigation with Wells Fargo regarding this issue and I told them I felt discriminated based on my race, ethnicity as well as language. On XX/XX/XXXX, a Wells Fargo representative called me that my personal loan was denied because of the amount and I told them how so if I have close to 300, 000 dollars in the account and Wells Fargo can use that as collateral/secured loan. I know I was discriminated for my race, ethnicity and language barrier and I want a full investigation in Wells Fargo practices towards mortgage, personal and business lending to XXXX individuals and other minorities period. I know deep in my heart if I would have been a XXXX  man asking for a personal loan for the same amount of money that I ask, I would have been approve in the spot. We are in the year 2022, but ethnic minorities like XXXX and XXXXAmericans continue to encounter open gestures of XXXX discrimination, denials of mortgage, personal and business loans even do we may have outstanding credit scores or portfolio accounts than a regular XXXX  person. I need this investigation to start asap and go to the highest levels, so other minorities do not have to go through what I went through. One thing for sure, Wells Fargo lost a loyal customer of over 20 years and I will tell my family members, friends and relatives to close their accounts in Wells Fargo and open them in banks that really value minorities as customers. It is imperative that these illegalXXXXdiscriminatory practices in mortgage, personal and business loans stop immediately at Wells Fargo towards minority groups such as XXXX and XXXX American customers. Also, I will definitely consider legal actions towards Wells Fargo, because enough is enough and wrong is wrong no matter who does it.

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 2022-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
1. Berlin-Wheeler did not provide me with written notice of this alleged debt before reporting this alleged debt to the credit bureaus. They denied me my right to request validation and verification of this alleged debt. 
2. Berlin-Wheeler continues to verify to XXXX that this alleged debt belongs to me despite submitting documentation to XXXX that this alleged debt was associated for services for someone else. 
3. Berlin-Wheeler continues to verify to XXXX that this alleged debt belongs to me by only verifying my name and address. XXXX has confirmed that this alleged debt is not associated with my social security number. 
4. The original creditor has received full payment for this alleged debt. I have never paid Berlin-Wheeler for this alleged debt ; however, XXXX customer service informed me that Berlin-Wheeler is reporting this alleged debt as if I paid Berlin-Wheeler for this alleged debt. 
5. Berlin-Wheeler has not provided me with documentation demonstrating their legal authority to collect and report this alleged debt, or access the protected medical information associated with this alleged debt.

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 2022-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I go into emergency room. 
I settle bills with most people except this one. 
I apply for financial aid since the hospital is a non profit. After months of me submitting emails and calls to fair oaks emergency physician I thought my debt was cleared. This is after they " reviewed '' my financial aid application which they would push off for months at a time while still sending me notices of the bill and threatening to send to collection services. 
I kept calling about this and they said they wouldn't and finally in XXXX I resolved my bill with them and it showed up as XXXX on my balance in their website. A few days later on XX/XX/XXXX they send me a statement of my account which clearly shows my balance at XXXX and it seems like everything is resolved. 

Around XXXX I get a letter from American Collections Enterprise ( dated as XX/XX/XXXX ) saying I have until XX/XX/XXXX to dispute the claim. So I called them on XX/XX/XXXX and no one answered. I called them the next day and spoke to someone who told me an email to send my dispute with the statement from the hospital that says XXXX on it. I then check my account with the hospital to see if it still says XXXX to also send as proof as it being cleared but they removed the statement online that says it, and reverted it back to the old balance from a statement from XXXX. 

I called yesterday on XX/XX/XXXX to see if there was any update with my dispute and they gave me a managers number to call who was not there that day. I called the managers number today ( XX/XX/XXXX ) and I hear the automated attendant but as soon as it finishes it says the number is not in service, which did not happen yesterday. So I called ACEI 's main phone number and hear the automated attendant and the same thing happens, it says the number is not in service. I do not know if they blocked me but I just want to remove this bill since I already had it resolved but now they won't answer me, and the hospital has removed the statement saying I owed XXXX ( I still have the paper statement that says I owe 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 2022-03-04 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: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX, Delaware XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.

Company response to consumer: Closed with explanation