vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 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: Conn's, Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) (  1 ) ( A ), Credit reporting agencies ( Conn 's - XXXX, Conn 's - XXXX, XXXX  ) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report. 

Conn 's - XXXX - {$7600.00} Conn 's - XXXX - {$2400.00} XXXX  has failed to verify that information multiple times. The supervisor XXXX XXXX on XX/XX/19 and a supervisor previous to that advised me they verified the information electronically through an automated system and do not have the a person name or documentation. XXXX also stated they do not require the creditor to submit any validation prior to inserting good or bad information on your report. 
I have contacted Conn 's and XXXX  both repeated asking for them to provide contracts bearing my signature and payment information for these two accounts. 

XXXX  also have me locked and singled in to a department that is only open from XXXX - XXXX central time Monday - Friday and don't have a direct phone number. In order for me to speak with someone regarding my credit file I have to get transferred 3 times and if the department is unable I have to leave a message and someone will return my call in 24 hours. Which is unacceptable as well and I need to be removed because this is discrimination because any representative trained to incoming calls should be able to assist with credit dispute or questions. 

Per conversation with Conn 's representative on XX/XX/19 XXXX XXXX ( XXXX ) they do not have to provide with me an do documents in there systems and can report anything they wish without providing proof. Conn 's  also asked me to fax them a copy of front and back of my driver license and social security so they are aware they are speaking to the right person. This is unacceptable based on the the fair credit report acting and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: AZ

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to see if anyone can call me back and tell where or who I can talk to regarding this company who fraudulently, wants to make me responsible when they did give authorization to run my credit I was not present on XX/XX/XXXX when my mom a XXXX year woman that I told the finance man that I was not going to sign to be responsible for a car I did not like and that the sale was for my mom and the finance guy I was not going to be held responsible and the paperwork Ms. XXXX mailed me was not my signature so, I did not sign those contracts one because my name is not XXXX XXXX. I am not XXXX XXXX and they are illegal wanting me to pay a car that I did not authorized a credit check, nor did I sign the paperwork provided to me by Ms. XXXX and I did not buy a car from XXXX did my mother on the other hand did XXXX XXXX XXXX. 
Ms. XXXX at XXXX I did provide income checks to finance but I did not sign no credit application and no legal binding contract saying that I would pay for a car I did not purchase, and I did not sign those papers that Ms. XXXX provided so, that was not me and is not me and I do not sign that way and I do not purchase cars or houses over the phone. I signed in person and that paper work provided is not me and not my signature and I am not responsible for a product that was illegally sold and now they want me not XXXX XXXX to pay I was not and am not XXXX XXXX. I am reporting this to credit bureau and XXXX  and FTC and you guys and to United States Securities Government. Please call me or help I want this off my credit off my back I am not XXXX XXXX. 

Note : I also, misspelled Ms. XXXX name on purpose to see how she feels her name being used and in a legal circumstance such as this that her name is used inappropriately and her having a XXXX surname last name that is by culture is discriminatory and it is inappropriate so, I want Ms. XXXX to stop lying. 

Sincerely, XXXX XXXX -XX/XX/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 2019-12-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section  605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the  CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX , XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a master card account. I am the primary holder with my wife also on the account. Our cards quit working. Called to find our what happened. Told our account was closed be cause my wife did not respond to request to update her info. We have been Master card holders for nearly 40 years, Never a late payment, paid in full each month have a cred limit of $ XXXX. We get letters, email weekly to update account info on various account most of these are scams. My wife 's info has not changed in the 57 years we are married. They simply want more personal info to sell their data bases. We refuse to provide any additional info! I have had may occasion where a card quit working and found it was suspended for suspicious activity.When I call card is reinstated or a new one is issued. Why is his different? Since my account is closed it is with Bank of America CC # 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 2019-12-16 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: AZ

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-16 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: AZ

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/2019 - Unauthorized inquiry by Identity Theft

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 2019-12-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , FL 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 2019-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Good Afternoon, My name is XXXX XXXX and in XXXX of XXXX I was called by XXXX XXXX XXXX ( which was a contract debt collector for Sallie Mae / Dept of Ed. ). because my loan was in default status. I was told that in order to make a settlement for my loan that I could pay {$10000.00} and my entire student loan would be satisfactorily settled. I made a Payment on XX/XX/XXXX. I received a 1099 in XXXX from IRS of that year stating that my loan was statisfied and that my Tax returns would no longer be garnished. I have recently learned that XXXX went out of business shortly thereafter. 

In XX/XX/XXXX my data was transferred back from XXXX to Navient/ Dept of Education . At that time I started getting correspondence from Navient stating that this same loan had never been settled or paid at all. The full amount of the outstanding balance plus interest and late fees has been placed on my credit report. 


This is severely problematic because I currently work in finance and this large debt of {$30000.00} is causing my credit score to be lowered because it increases my debt to income ratio for this amount of unsecured debt that I am responsible for has the credit appearance that I am irresponsible with finances. An additional injury was that In XXXX I had to leave a position as a XXXX in the XXXX  XXXX XXXX because my security clearance was being reviewed and faced adjudication because of this large debt. I would have been fired for financial concerns. 

I have contacted Navient and the credit bureaus on several occasions. I am now asking that the CFPB get involved so that I can securely work without fear of this negatively impacting the way potential employers view me. I would like someone to review this matter and my loan because this is causing me severe economic harm. 


Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I evidently owe close to 800 dollars to Comenity Bank for a place called XXXX XXXX. I was reported to their collection agency and they have my phone number and address, yet have been calling my XXXX XXXX   mother every week! The man that my mother spoke with today told her what my debt was for and how much I owe, while trying to get her to pay my debt, which is illegal! I have asked these people numerous times to not call my sick mother, but they continue to do so and keep harassing her! These people have over-communicated to the point of harassment and it will stop! They already gave out my debt information, which is illegal and I will sue if this doesnt stop! I was also threatened which is also against the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Fed Loan continues to make extremely expensive mistakes with my student loans. I am on a income driven repayment plan as well as the Student Loan Forgiveness Plan as a XXXX XXXX XXXX. Every year I submit evidence of employment and as for a calculation for qualified payments as is recommended by Fed Loan. And every year they make mistakes calculating how many of my payments are qualified when they are clearly all qualified. This year, they are claiming only 6 payments are qualified. I havent missed  any payments. I pay what they told me to pay. I fill out all the forms on time. I do everything they tell me to do. And when they make mistakes I tell them so. And they deny it. Every. Single. Time. Its like corruption is part of their policy. Its like they try to see if people are paying attention and what they can get away with. In my case, I stand to lose thousands of dollars. My anxiety caused by having to deal with this totally corrupt and insanely disorganized company has profoundly affected my life. I cant afford a lawyer to sue them, and they need to be sued. The CFPB is my only hope. I need the last two years need to be recalculated. The last time I requested the CFPB to help with my account you found over 10 of my qualified payments hadnt been counted!!!!! And now Im having to reach out again for the same reason!!! Its unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
The Target Card that shows delinquent on my credit report has been disputed with Target, as my deceased mother was the card holder. I provided my mother 's death certificate, she died XX/XX/XXXX, I later found out it was a {$20.00} outstanding credit card balance. I emailed and faxed Target and no resolution. I also disputed through the ( 3 ) credit agencies. In XX/XX/XXXX after resolving all my mother affairs. Email below. I also, have fax confirmations at home in files. I request this be deleted off my report or showed as paid on time. 

From : XXXX Date : XX/XX/XXXX at XXXX XXXX  PST To : XXXX Subject : Death of Credit Holder and Process for Closing Accounts Hello- It is very unfortunate that I am now angrily typing this email after spending 40 mins of my lunch hour on the phone with Card Services for the 3rd time in the past few months. I have spent 3 separate days and hours trying to resolve a simple request. Please email me your policy for the subject line in this email. Once I receive this I will send you my complaint and all pertinent information. I only asked that my mothers account be closed after her untimely death on XX/XX/XXXX. I then called and asked that I be removed today since Target continues to report derogatory missed payments to the three credit agencies. I spent 40 mins on the call with a person who could not understand my request, she continued to say she was getting her supervisor per my request and never did, as I have both names. As I also partly recorded the call. I asked what was the balance because I recall paying the balance in full myself after my mother 's passing. It was only {$20.00} which she stated I was responsible for, though I am not because I am not executor of her estate as she had none and I conveyed this when account was closed. Also, I know my rights, as I work in Contracts. When I closed the account, Target was the only creditor of hers who never asked for me to fax a death certificate. Now, she is requesting one today and telling me my credit reporting can not be reported correctly because they never received a death certificate, then why was the account closed under my moms name? 

Please send me the policy. I will follow-up with names, Death Certificate, Proof of missed payment credit reporting, etc. 

Sincerely, a customer not satisfied.

Company response to consumer: Closed with non-monetary relief