vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was denied credit by a consumer lending company for a purchase due to a freeze on my credit by Equifax. I tried to contact Equifax but there is no way to speak to anyone and there is no way to unfreeze a frozen credit account. There is only an automated phone system and when you direct it to send you to a person you go on hold for many hours and no one ever answers. It's diabolical. I never asked to have my credit frozen, and now there is no way to unfreeze it. There is no email to send an " unfreeze '' complaint. No one answers the phone at their customer service. There is NOTHING. This should be illegal! My credit is in the 800 's with all credit reporting agencies but I can't get credit because of this diabolical freeze at Equifax that they make it impossible to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a 1099C against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX. 

I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe. 

In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone. 

I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX. 

They have refused to listen to me or address my request for proof of a debt that is over 25 years old. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX. 

I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes. 

I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form. 

Fraud forms sent to me are from Convergent Outsourcing , Inc showing creditor as 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 2022-03-05 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: U.S. BANCORP
State: CA

Complaint narrative:
US Bank continues to submit fraudulent information suggesting I had a credit card in my name opened with them. When pressed to provide me with the application, opening date and history, they were unable to do so. I explained to them that I work in the XXXX and have been since 2010. My personal information, including social security number was compromised and used in association with a fraudulent address/ XXXX XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX. I submitted police reports to support said fraud and misuse of my personal information. Still, this company has ignored all requests to stop all contact with me and remove the fraudulent accounts associated with name under the federal 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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have been trying to raise my credit score in order to purchase a car and a home and I have been charged XXXX twice in the last 5 days for credit reports by Experian as well as other ridiculous charges. After paying off one debt ( I only have 2 ) my credit score has been consistently getting lower rather than higher. I have XXXX hard inquiries and I only recognize maybe two and I can't get a hold of anyone to fix it. Experian charged me for a free credit report not once but twice and the things I have paid off are not showing as positive on my report nor are they adding the extra points. I've also been disputing a collection from 2005 from a utility company and they will not take it off of my report despite disputing it twice yet I can't settle or pay it off because when I call the collection people it is too old to show in their system. Nothing changes after disputes and nothing positive is listed in my credit report only negatives. I never can reach a human. Only recordings. I'm charged for reports that under federal law should be free. And then they tell me it's for other services and fees that I never signed up for and do not want but I'm stuck with because I need these credit reports so I can try to fix them and have a home. I'm a XXXX veteran living with family only because of my credit score and I have no current debt whatsoever. None. The reporting agencies are so vague and have so many ads and other companies offering credit repair XXXX. I just don't get it but I want to understand so I can fix my credit score and have a home and reliable car. Thank you for any help you can give me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I went to XXXX XXXX XXXX with my puppy and rabbit in the car and went to leave and my car was gone. The tow truck driver saw my dog in the car and still took it. When I contacted him he was very rude and told me that I couldn't get my things out till Monday and if I didn't shut up and listen to him he would take my babies to the animal control. I owe XXXX on the title loan but at the time am having a very hard time because I have XXXX XXXX that are impeding into my life. ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: FL

Complaint narrative:
At this time, This company has not provided any factual proof or validation pertaining to my factual consumer complaints. not only that but has been reporting inaccurate information ALL WITHOUT MY CONSENT. They have not provided the correct title instead has fraudulently obtained by creating 2 attaching my name to a false debt.. At this time XXXX has an open court case with the CEO. In response to the credit reporting it must cease and desist. They are reporting an address they had no consent to report and is wrong, They did NOT HAVE PERMISSIBLE PURPOSE and NO VALIDATION FOR THAT FACT ALONE. Overall it is a question of why TWO CA TITLES were made. All contracts on my end have been canceled and rescinded and by certified mail, fax, and thought the e portal. It is clear of the fraud and deceptive practices this company continues to injury my life with. A federal claim is pending. The CA TITLE this company is trying to attach a debt to is not for the correct title. They tried to cover their fraud.

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 2022-03-05 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: CA

Complaint narrative:
XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's XXXX, XXXX $ XXXX Transunion shows {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's XXXX, XXXX and Transunion. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation

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 2022-03-05 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: CA

Complaint narrative:
XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's Experian, XXXX $ XXXX XXXX XXXX {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's Experian, XXXX and XXXX. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation

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 2022-03-05 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: MD

Complaint narrative:
On XX/XX/2022 XXXX I received an email about a hard inquiry on my Equifax credit report. I contacted Equifax to file a fraudulent dispute. My dispute was denied, and I was told I had to contact the company who check my credit, the was XXXX XXXX. Someone had used my social security number and applied for an online catalog with XXXX XXXX. On Monday XX/XX/2022 I contacted XXXX XXXX XXXX department and spoke with a fraud Rep and explained what happened. The rep asked for my personal information and found that someone other than myself had tried to open an online account using my social security number. The rep apologized and said, she/he would forward the information to Equifax, and it should be removed from my credit report within 5-7 business days. This has caused a negative impact on my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was scammed through XXXX which is on my Bank of America app. I sent 2 payments on XX/XX/XXXX. XXXX was for {$700.00} and the other was {$400.00}. The {$700.00} was stopped because the scammer immediately messaged me. But they were not able to take care of it before the weekend so they were able to get the money out. The {$700.00} was in another Bank of America account so Im not sure why they wont protect their customers from their other customers. Additionally {$400.00} was transferred to XXXX XXXX. Bank of America has rejected my claims. I would like my {$1100.00} to be returned. If this is not a protected program why on earth is it literally in my bank app? If it isnt protected by Bank of America it should be removed from their app. I requested it back from them several times but obviously the sender isnt going to give it back.

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 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
was notified of a debt in my name by FCO collection inwhich they advise me that an apartment have been opened in my name. I advised them that I did not have an apartment in the XXXX Georgia area at any point in time. I asked them to show me a burden of proof of a signed lease showing me being responsible for any monies owed on the lease. This company could not produce that they sent me a lease showing my name listed as an occupant not a responsible party to a lease agreement. They sent me the fraud package to claim this as fraud. I filled out the package along with the police report a lease showing my current address at the time this lease was opened and my drivers license. FCO sent me a denial letter with no justification as to why. They are violating my rights and I will be seeking private counsel as well as alerting the federal trade commission and the attorney generals office. Please investigate this

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 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information have been infected by the Transunion data breach and may got into the hands of the wrong entity.

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 2022-03-05 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:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

A identity theft report was filed with the Federal Trade Commission. The reference number is # 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 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Never used this credit card EVER!! I told them to send me the statements of what I purchased and received a goose egg! I want this removed from my credit report. They rang me up in monthly interest fees! I never used the card! I don't even think I ever activated it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a notice that I needed to pay extra money {$570.00} to cover the escrow shortage. I called XXXX and spoke with customer service and paid the shortage. Confirmation XXXX. Fifth Third Bank online payment service does not have an option to support this transaction, the only choice is " Other ''. They should have an option to apply the payment to escrow shortage. I was informed that " they '' would see the " other '' payment made and apply it to the escrow shortage AND my payment would stay the same. I paid {$570.00} for the escrow shortage. 
Today, XXXX, I have received a XXXX statement for {$620.00}, the new mortgage amount and I was not given credit for the payment towards the escrow shortage. 
When calling Fifth Third Bank, at XXXX, they do not disclose that their office is closed on the weekends. I called, and was told to enter my " pin '', which i do not have since this is a mortgage. After being on hold over XXXX mins, I was then informed the mortgage office is closed on the weekends. 
The statement fails to disclose their business hours. 
They failed to apply my payment towards escrow. 
They misrepresented what would occur and are now over-charging me on my monthly payments. 
This is unfair, dishonest and unethical. I feel that they are not correctly honoring my payments and they are unfairly overcharging me. In addition, their statement on how to reach us is unethical in that they do not represent their working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
Accounts over 10 years old XXXX XXXX XXXX refuses to removed violated FDCPA, FCRA AND REFUSES TO DO AN INVESTIGATION BESIDES PARROTING INFO ALREADY RECEIVED. THEY REFUSE TO REOPEN AN INVESTIGATION BASED ON THE DOCS AND NEW INFO I HAVE TO SUBSTANTUATE MY CASE. STATUTE OF LIMITATIONS TEXAS 4 YEARS 392 OF FINANCE CODE VIOLATIONS THERE'S NO LEGAL JURISDICTION OR RECOURSE FCRA 623 a 1c FCRA 623a 3-5 FCRA 623 a 6 b FCRA 615 f 1 FCRA 605 f1 Medical bills not properly codes No thorough investigations FCRA 623 a 5 A Continuing to report info I've INFO ncluded in my idenity theft report knoweth knowingly refuses to supress INFO APPENDIX A DATA FURNISHERS RULE 660 VIOLATIONS XXXX XXXX XXXX GUILTY OF IDENITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates LLC will call 4-5 times a day. They will call from all different states. I have told them several times to stop calling but they have been refusing to listen. I know what the debt is in regards to but they keep calling over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX, a natural person, requested a 1099c form from Santander Consumer USA, via Consumer Financial Protection Bureau ( CFPB ) portal. However, Santander Consumer USA responded on XX/XX/2022 they Cant not provide me with the requested documentation/information without providing any details. Santander Consumer USA which law are you referring to State or Federal? That Santander Consumer USA, by law, you do NOT have to provide me with such information 1099c? Please respond by law ONLY why Santander Consumer USA cant provide me me, XXXX XXXX, consumer, applicant, with a 1099c, and in fact also a 1099a as well? Which law states you are right about this? And that you ( Santander Consumer USA ) stated is truth? Pursuant to 26 U.S. Code 7203 Willful failure to file return, supply information, or pay tax that is a violation. 

As of XX/XX/2022 at XXXX est, You have my account on all the XXXX major credit reporting agencies XXXX, XXXX XXXX XXXX XXXX listed as Charge-off with the amount of {$5400.00} for a repossession with the amount of {$2700.00} written off, Which will require a 1099c & 1099a form. PLEASE EXPLAIN WITH PROOF OF DOCUMENTATION AND BY LAW ONLY WHY SANTANDER CONSUMER USA DONT HAVE TO PROVIDE ME WITH THE INFORMATION. 

Best regards.

Company response to consumer: Closed with explanation