vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: TX

Complaint narrative:
On XXXX i was a victim of Fraud i reported it to the XXXXXXXX XXXX XXXX After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with XXXX, Equfiax, & XXXX for 8+ Months with minium removals & XXXX sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought XXXX, XXXX XXXX Equifax was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TX

Complaint narrative:
On XXXX i was a victim of Fraud i reported it to the XXXXXXXX XXXX XXXX. After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with XXXX, XXXX, & Experian for 8+ Months with minium removals & XXXX sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought XXXX, Experian & XXXX was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I have been unable to obtain my credit report from XXXX SageStream, a new credit reporting agency owned by XXXX. Their website does not offer an option on their website to download my credit report. I believe they are required to have this capability under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I recently went through my credit report and my XXXX  score and seen an overdue balance of {$710.00} from Capital One but I personally have never opened a credit card. I tried disputing it with capital one, XXXX XXXX and XXXX but still no results. Its still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
in response to you're company from the letter you have sent, and a pile of statements showing from synchrony bank. under the fair debt collection practices act ( FDCPA ) its unlawful to design compile and furnish any form knowing such form would be used and create a false belief in a consumer. that a person other then a creditor of such consumer is participating in a collection of or an attempt to collect a debt. such consumer allegedly owes such creditor when in fact such person is not such participating. ( reference 15 usc 1692 j ( a ) ) XXXX XXXX XXXX is making a belief that the company is collecting for Synchrony Bank by sending alleged statements when in fact if the creditor was in attempt to collect a alleged debt they would not have sold out the debt to XXXX XXXX XXXX. 

please provide and produce the following! 
.a contract that i have with XXXX XXXX XXXX to show i have any business to discuss. 
.total amount the Debt was sold for .audit trail for full accounting on and off ledger. 
.Name and address of the original creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am trying to retrieve my consumer report. Due to the previous identify theft issues I will provide a notarized affidavit of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/2022, I was sent {$790.00} by another Person. The estimated date of arrival was on yesterday, XX/XX/2022. So, I never received my money. I called them and ask where was my money? They said it was an engineering problem. They was going to reach out to that department and let me know when it is transferred. They were unable to tell me when I will be getting my money. I just had XXXX and at least deserve to know when I will have my money. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/22 I paid XXXX a XXXX XXXX company XXXX $ that was in collections and I started a new policy with them as well. I called them multiple times asking them to remove it from my credit report. The representative told me there was nothing she could do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I have been searching for a job to work in my background of IT. I CORRESPONDED WITH A XXXX XXXX XXXX on XXXX. I was eventually offered a remote position to work from home and This Company http XXXX XXXX  This company was providing the following equipment to perform this job. 
Everything is also found in either XXXX  conversion or XXXX XXXX to reference for this. 
The Equipment Ordered Brand new XXXX  Laptop XXXX XXXX XXXXXXXX printer, scanner, and fax machine XXXX XXXX XXXX XXXX XXXX XXXX 
After accepting this opportunity I began to train via XXXX with a XXXX XXXX. 
The entire Transcript of my conversions with XXXX XXXX in XXXX  ( XXXX XXXX XXXX and XXXX XXXX in XXXX ( XXXX XXXX ) have been attached to this email for reference all of this information is there to reference and see. I received two checks for the amount of {$4900.00}. I deposited both checks via a Branch office ATM XXXX. 
I send my SS number in a XXXX with all the personal information that is harmful to a person. Zelle will not refund a XXXX dollar transfer sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
After reviewing the uploaded contract Santander Provided, I noticed that they Altered the Contract without my knowledge. After further review I also noticed some weird charges regarding the GAP insurance. I never requested a refund on GAP insurance, and I never received the funds either. it looks like they had me pay for the gap insurance and then somehow cancelled it and pocketed the fee for themselves. This bank is trying to collect double the amount of money for this loan and that is violating consumer law. They have not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
I recieved a letter from Weltman , Weinberg & Reis Co., LPA saying they represent a vague company called " XXXX XXXX '' to collect a debt of {$2700.00}. They advised that if I did not pay the debt to them ( Weltman , Weinberg & Reis Co., LPA ) within 10 days that they would take legal action against me and that is was in my best interest to just pay rather than have litigation disrupt my business. 

I have never heard of a company called XXXX XXXX nor do I have any outstanding debts with them. When I called the legal/collection agency on the phone number provided they asked for my account number and last 4 digits of my social/EIN and zip code XXXX I am unable to speak to an operator without providing this information. Because I didn't trust the agency I provided false numbers to try to talk to a representative but was still unable to reach anyone. I believe this is a scam to collect false debts and steal sensitive information. 

Please advise how I should proceed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been paying Experian Credit Bureaus XXXX for service an scores for a few year on XX/XX/2021 was the last time i have had a updated Credit Score with them. Ive talked to them 8 times & have sent in documenttion with my Driver License & two pieces of Bills to reflex my address but everytime they say there going to update everything to reflex so my Score an Credit profile will update nothing happen they just keep sending me the run around since XXXX ive talked to them on the phone 376 min total in 9 months 38min first - 48min second -29min Third- 56min forth- 67min 5th time - 44min 6th- 57min 7th- 37min 8th time. I have 700 plus scores on XXXX XXXX XXXX but this has cause major harm because im finiancially able to purchase my home but we cant get a experian score.At this point i want to sue them cause they are putting me & my Growning Family in a bad situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: REGIONS FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022, I submitted my initial complaint with the XXXX against Regions, XXXX, stating that I had been trying to set up autopay through my Regions online banking ( OLB ), and the payments were not going through. I stated that this had been going on since XXXX. Furthermore, I noted that I am a former employee of Regions. Therefore, I know how to set up autopay through OLB because I helped hundreds and possibly thousands of people setup their autopay through OLB. However, Regions did not believe that there was an issue on their part. 

On XX/XX/2022, I submitted another complaint against Regions through the XXXX, XXXX, addressing that I logged into my OLB with Regions to make a 1 time for my credit card payment on XX/XX/2022 before my due date of XX/XX/2022. This time Regions admitted that there was a problem with their system. Around the same time I noticed that Regions added a remark to my credit score. I can not see the remark except for the fact that it was a late payment. Common sense would suggest that this remark was unjustified based on my previous 2 complaints.

Now, I am submitting a 3rd complaint against Regions about the matter of their system not functioning properly. This as no shock to me as a former employee of Regions. As I suggested in My first complaint on XX/XX/2022, there needs to be a large scale investigation against Regions. They notoriously bully and make it difficult for consumers to have any type of financial justice when Regions is at fault. As you can see, I have been dealing with this matter through the XXXX. It started when no one at Region s would return my calls or respond to my complaint made to their internal system. It almost seems like it takes and act of god to make to Regions correct their mistakes and own their responsibility for the wrongs that they have committed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Open balance XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original creditor name XXXX XXXX I have this open medical bill that does not suppose to be on my credit. According to the rules and regulations. In XXXX, the XXXX XXXX XXXX XXXX announced the National Consumer Assistance Plan ( NCAP ) as part of a settlement with numerous State Attorneys General, which included provisions for the reporting of medical debt.1 As part of the NCAP , the companies committed to no longer reporting medical collections that were less than 180 days past due and removing medical collections that have been paid by insurance. Both of these provisions were intended to prevent consumers credit from being penalized for debts that were not the consumers responsibility to pay. 

On XX/XX/XXXX, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections ( Medical Collections Reporting Change ). Specifically, the companies announced that starting on XX/XX/XXXX, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year, and paid medical collections will no longer appear on consumer reports at all. They also announced that beginning sometime in XXXX, medical collections with balances below a threshold of at least {$500.00} will no longer appear on consumer credit reports.2 These changes have the potential to reduce the amount of medical debt reported on consumer credit reports and to benefit some consumers. 

This report explores the characteristics of consumers with reported medical collections and focuses on the current state of medical collections that appear on consumer credit reports and medical collections that are likely to be removed from consumer credit reports in the next year. We use the Consumer Financial Protection Bureaus ( CFPBs ) Consumer Credit Panel ( CCP ) to analyze collections tradelines first reported to a national credit reporting company after XX/XX/XXXX with medical listed as the original creditor XXXX We observe consumers credit scores, census tracts of residence, and other credit information in the quarter before the first reporting of the medical collection. 

I'm requesting that this debt be removed from XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation