vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted several times to get the tax lien removed however experian ignored all my attempts. I have applied with XXXX and got an approval for withdrawal which I sent to county of XXXX XXXX who confirmed that this is NO longer a public record and they are NOT reporting this to the bureaus which I have submitted to experian with hopes that they will remove this inaccurate information from my credit report. However, all my requests were ignored and nothing was done to correct this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Finance XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX / XXXX XXXX, XXXX Va XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX XXXX XXXX addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This number is the original case number issued by CFPB. Equifax closed XXXX credit card account from XXXX as they should have. Now, it shows Open with XXXX balance which the balance would be correct due to the XXXX sent by XXXX. 
Another XXXX credit card was removed from the credit report. It has been put back on one week later. The balance of XXXX and the card being closed is correct. So, why is it back one week later. 
I 'm beginning to think the only way to correct this is through an attorney. I have all documents both mine and Experian 's. 
They also have incorrect information on my wife 's which mirrors mine. A complaint has been submitted on her behalf but no answer. CFPB 's XXXX re : XXXX XXXX XXXX. 
Again, it appears an attorney is going to be needed, which I am prepared to do. Experian has injured my credit score without any sent information and I am tired of them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is ignoring my requests to investigate, verify and remove an account from my credit report that does not belong to 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 explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a XXXX XXXX Account opened in XXXX and the last time used my account before I closed it was XXXX XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. I checked out my credit reports in XXXX of this year and XXXX have my report showing negative information. I called XXXX XXXX Department to rectify this issue and they stated that will update my credit reports with the correct information.

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 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX has a 30 day late in XXXX that should have been removed by now. XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now. XXXX, XXXX, and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long.

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 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed a tax lien thats incorrect on XXXX/XXXX/2015 via certified mail on XXXX/XXXX/2015 I received a response from the credit bureau that they previously verified and will not investigate it. I disputed this in XXXX of 2015 to get the info correct and they said they verified, I asked for method used to verify with no reponse

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have several accounts that are NOT mine reporting to Experian. In addition my name is not correct with Experian either. I 've sent documentation proving my identity several times over the past 5 months and Experian is not complying with my demand to remove this erroneous information from my credit profile. This mis-reporting information is causing me much grief and frustration. Clearly I am NOT XXXX XXXX as they are reporting me as. On XXXX XXXX & again on XXXX XXXX I sent letters of dispute with all Identification documentation provided. There are several delinquent student loan accounts reporting falsely in my credit profile. I have confirmed with the Dept of Ed several times and they are in agreement these accounts are not mine. These accounts were deleted from my profile with XXXX and XXXX properly already. Experian is now the last credit bureau not in compliance.

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 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian Credit XXXX - I have ordered my credit report online and had it delivered. I think start a dispute online and it will not allow me to do so. Every phone number listed is automated service and no link to customer service to find out why I can not dispute online. This gives me the only option of ordering thru XXXX Postal Service and that would incur another charge. XXXX has done the same. 
This is borderline fraud activity.

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 2015-05-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ascension Point Recovery Services, LLC
State: TX

Complaint narrative:
My mother died XXXX/XXXX/2014 and left an unpaid credit card. I went into the store to pay it and learned that they had written it off. ( excused the debt ) When I got home my wife said a collection company called and wanted payment for that same debt. She did n't know it had been written off by the original company and she agreed to pay it. She gave them a check by phone to be cashed a few days later. I stopped payment on the check as soon as I learned what she did. 
The collection company is AscensionPoint Services. They have continued to call me and my wife on our personal phones and her work phone. They say we are n't responsible for the debt but they keep calling. I researched AscensionPoint and found numerous pages of complaints on them being a scam and not to pay them anything.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX, I missed a payment on my mortgage due to a miscommunication between my wife and i. We are in the process of switchign jobs and relocating, and the issue just slipped through the cracks ... we each thought we had paid the bill. When we realized this mistake, we called XXXX and apologized, and rushed a payment. XXXX at the time told us that they would not report to the credit agencies since we had been on time for so long. 

Last week, i checked our credit reports and learned that us bank had in fact reported it. I called us bank, who said they were unwilling to correct their mistake, and they would not honor the promise they made to me when i called in XXXX. 

My own opinion is that this is a prime example of the banks punishing a consumer unnecesarily when they are trying to do the right thing, and I would like XXXX to rescind the report, and for experian to re-calculate my credit with a good payment record. 

Also, as a side note, we have paid this mortgage on time for many years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a credit card with XXXX. I was charged on my account with a charge for a service which I did not receive. I objected to the charge, but XXXX XXXX investigated and refused to remove it. This was for a service I did not receive and refused to pay the charge. I closed the account, but XXXX XXXX continued to add interest and late charges and the total bill increased to {$550.00}. This was never a legitimate charge. 
I went to the hospital with a XXXX. I was misdiagnosed in the hospital, got XXXX for nine weeks as a result until later finding medical help. I called the hospital and refused to pay my share of the hospital bill because I was misdiagnosed. The hospital refused to give me credit and subsequently submitted my bill for collection and it wound up on my credit report. This is not a legitimate charge which I had the right to refuse to pay and it should not be on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I entered Experian website to get credit report. The screen where I was to enter my credit card number to receive this information showed a {$1.00} charge. AFTER I entered this information, the NEXT SCREEN indicated I would be charged {$39.00}. 
EXPERIAN is dishonest and should be fined for this deception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are two XXXX accounts being incorrectly reported to Experian. The accounts were included in a Chapter XXXX Bankruptcy, but Experian is reporting late payments after the petition was filed. I have repeatedly disputed this item, but they continue to verify incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid XXXX to XXXX. This has caused me to receive a lot of late payments to XXXX. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to XXXX in XX/XX/XXXX. I worked for XXXX since XX/XX/XXXX. You will also see a copy of my credit score before it dropped, and emails to XXXX XXXX XXXX. In the emails you will see that I was trying to correct this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have battled the complete incompetence of XXXX for over a year. 
I was hopeful after receiving an email from them on XX/XX/XXXX email that this unbelieveably XXXX mess wth my account and more importantly, my credit reports, would FINALLY be corrected and I could put this behind me. However, just when I think it 's not possible to make a bigger mess of things, XXXX manages to do just that! I received notification today of correction/updates to my credit reports so, with high expectations, I proceeded to pull and review the corrected credit reports. Can you even imagine the utter frustration I felt when I realized that my XXXX credit report, the XXXX bureau that had previously been correct, is now INCORRECT. XXXX, against the laws of the FCRA has been reporting a 12 1/2 year old bankruptcy to the credit bureaus. In my last correspondene to them I indicated that all but XXXX had been corrected and asked them to get that correction taken care of immediately. Because no one took the time to actually read ALL of my previous correspondence via letters and email, XXXX incorrectly REMOVED my current account with them from my credit file with XXXX ... .WHY??? The information contained in my XXXX REPORT WAS CORRECT as I had told them numerous times. XXXX NOW shows only XXXX XXXX account and it shows that account as CLOSED! In an email from XXXX they specifically indicated in paragraph XXXX : '' As a result of this conversion, you will have XXXX XXXX trade-lines ; XXXX prior to XX/XX/XXXX and the other post XX/XX/XXXX '' and that all Bankruptcy remarks on ANY accounts would be removed. 

The problem is that now my current/open account with XXXX has also been deleted. This error has lowered my XXXX credit score XXXX points!!! 

A CORRECTION NEEDS TO BE MADE IMMEDIATELY TO MY XXXX REPORT ONLY adding my current/open XXXX account back to my credit file WITH NO REMARKS!! 

**I tried to address this with XXXX directly, but I might as well have been talking to a stump! 

NO OTHER CHANGES TO ANY OTHER CREDIT BUREAUS SHOULD BE MADE! 

Please, please, please I need your help! 
Thank you! 
XXXX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has sent me a letter stating that they will no longer investigate my accounts even after I have sent them proof that their listings are incorrect. This is a violation of my rights under section 1681 of the FCRA and they are violating FEDERAL law. Congress states that when I notify the bureaus that they are reporting something inaccurately, they are required to investigate. When I notify them yet again that they are still incorrect, they are required to go beyond the original source of information to ascertain that the info they received is correct. Stating that this will not happen because the person processing the disputes has too many disputes and investigations to do for less than minimum wage is not my problem. 
I 'm attaching proof that XXXX does not hold the account and I have notified Experian numerous times that they are required to report this account as transferred or sold and they have not done so. I am also attaching proof that they will no longer investigate.

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 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
i contacted experian and they sent me a copy of my report file and i sent them information who i am ss number card and proof of my address from a letter i got in the mail and they still wont take this other persons name information off my report. and its on XXXX and XXXX as well i want it taken off all XXXX reports. it has a persons name of XXXX on my report im not XXXX and i never lived at a address in XXXX before of XXXX XXXX XXXX XXXX XXXX, XXXX ne XXXX i want this XXXX name and this address of my report its not my information. there is also a address of XXXX, ne XXXX and this persons name of XXXX as well on my XXXX report file number and i want that taken off too ive never lived at those addresses in my life.XXXX wont even send me a copy of my report at all because they say im not this person since XXXX peoples names are under my ss number on their credit report. my report should be empty with nothing on it since im a minor and and be blank. no other stuff should be on my report and if there is i want it taken off. i also see a XXXX bill on here and i want it taken off ive never had a phone in my name before, i cant get a copy from XXXX to see and they wont tell me on the phone when ive called. im including a copy of a letter i received in the mail with proof of address, i do not have dr license to send since i never applied for one in my life. but i did send them a copy of my ss card so they all XXXX have this information in their files. i demand for XXXX to send me a copy of my report so i can dispute items on it since these XXXX other reports have issues. i tried to attach a form to show my only address i have lived at but it wont attach it keeps giving me error.

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 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN FIRST FINANCIAL, LTD
State: NY

Complaint narrative:
Hi I have an account with Franklin First FinancialIn Late XXXX I Paid two months mortgage payments in advance and I was instructed that to get refunded the additional payment made in error I would have to grant them access to deduct another mortgage payment which in turns means I will be immediately refunded. 
Unfortunately the last response provided from the Mortgage company is that they owe me no funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX I checked my credit through annual credit report to see if a foreclosure had been removed. I selected Experian as the agency. When I went to check the credit they wanted to charge {$4.00} extra to get my credit score. In small fine print it said they were signing me up for a credit monitoring service, but I was not clearly made aware of this. I also was not informed that a charge outside the original agreed upon {$4.00} was going to hit my credit card on XXXX/XXXX/2016. On XXXX/XXXX/2016 I was charged {$19.00} by Experian. On XXXX/XXXX/2016 I saw the charged and called to ask why I was being charged. The agent on the phone informed me that I signed up for the service. I told him I had no knowledge of signing up for the service and that they never informed me I was about to be charged. The agent refused to refund my money for the service that I had never used and said they had documentation proving I signed up for it. I do n't think they should be allowed to sign people up for a service who are coming form annualcreditreport.com especially when they do n't make it very clear that getting the credit score is also signing you up for their service. To then refuse to refund money for the service when it was never used after getting the score is again invalid. They are clearing trying to scam people by automatically signing them up the service and then stealing their money by refusing to give them a refund once they realize they were signed up. I plan to dispute this with the credit card they charged, but I have a feeling the credit company will side with them and they are probably in on the scam. I ca n't refuse to pay the credit card company for the charge if they side with experian or I will ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation