vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XXXX OF THIS YEAR .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed incorrect information regarding a bankruptcy on my credit report. I filed a dispute in XXXX, and received a debt verification letter from Experian. I think wrote a letter to Experian on XXXX XXXX, asking for Method of Verification, XXXX XXXX, I received a generic response stating that the dispute would not be re investigated. I wrote another letter on XXXX XXXX, requesting a method of verification once again. On XXXX XXXX i received my credit report, with no method of verification. On XXXX XXXX, I called customer service and asked for the method of verification. The customer service rep said that Experian directly contacted the Courthouse and received documentation verifying the debt. I then asked why that was not included, and if they could provide the documentation from the Courthouse to me. He said they could not, because they have no documentation of verification. I asked him that since this could not be verified can you please delete the tradeline. He said they were not under the obligation to delete it since the courthouse clerk verified the records for them. I called him out on this, because i know that the clerk wont release any records to the CRA, because I asked this when I called them. It was now XXXX and he stated he would try to get me to a supervisor to get this taken care of. I was on hold until the clock hit XXXX, and he came back and said one minute, then hung up on me. This is a violation of the law, and illegal. They are reporting information, they admittedly said they did not verify. I would like to resolve this here, before I contact an attorney.

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 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX falsely reporting on my credit report on the property are living in and XXXX mortgage has never filed ever with the credit companies. And this is the reason why they have n't reported on this issue because the know the paperwork on this house is improper and are refusing to correct the problem or investigate this issue. So apparently it is legal to file a deed of assignment on a terminated remic years later according to them and the CFPB, HUD, FBI, the mortgage companies etc. And I guess identity fraud is legal to? And have the this info sent to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hello, I have tried to dispute this debt numerous times with the creditor XXXX XXXX now it 's been sold to AFNI {$120.00}. I do n't know what this charge is for I was told it was equipment but when I call XXXX to find out about it they have no record of it under my name or ssn to tell me anything and I 'm not paying on something I do n't know what it is or that it 's even my debt. Furthermore, I think I had XXXX at the time and if I did all the equipment and services were paid in full I want this to stop getting reported to my credit once and for all if the creditor ca n't supply any information of what it is and I ca n't call them to dispute this than as far as I 'm concerned it 's not mine and it does not need to keep showing up on my credit report. I dispute with all three credit bureaus it gets removed and then next thing I know it gets added a month or XXXX later again and I just want it wrote off as bad debt and not against my credit. I 'm trying to buy a house and that is XXXX reason I want this removed but I also want it removed because if I ca n't get anything and century link ca n't find me with my ssn whether it was charged off or not they should have something I was never sent a final bill for the service I did have so I do n't feel this is mine anyway and each time they pull my credit for my home loan this pulls up and is affecting me so please just remove this once and for all I can just pay it too it 's {$120.00} but that 's not the point it 's the principle that theirs no information on this and I 'm sick of creditors doing this to people and my mortgage broker told me that he has seen this happen to several of his clients too with XXXX and they have ended up paying it but I 'm not going to I want to fight for all the people XXXX is taking advantage of and hope a class action law suit gets started against them for not sending out bills for these supposed debts. If anything is found I want it sent to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX has reported inaccurate information to credit bureaus that is affecting my chances of getting a new credits/loans. I have no account with XXXX, I have never been in XXXX for any services,, I did not even know their address until I got my credit report and no body is authorized to use my XXXX insurance card. I do not owe and I have not received any letters, validations, information from XXXX XXXX. I have called on three occasions, they have not given me any response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I pulled up my credit file with Experian and found a Law firm called : XXXX inquiring my credit report without my knowledge. 
I think these folks have been doing it for years. 
Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/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 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Yes, I have disputed this issue to the credit reporting companies and also written to the collection agency that placed the information on my credit report. Three times I have written to the collection agency with no response. The collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX and the negative collection is reflected on my Experian and XXXX credit reports. And based on what little information I 'm able to gather from the XXXX reports it has something to do with XXXX. The fact is I have never purchased XXXX service. I would like this matter resolved or information regarding this service so that I may resolve it myself. I have been a victim of identity theft and this may be another account that I have to get cleared. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
REFERENCE TO CASES : CFPB Case # : XXXX, XXXX, and XXXX As of XXXX/XXXX/2016, I still have not received a total of {$2100.00} deposited at a Chase ATM on XXXX/XXXX/2016 in my Chase account. This was due to the fatal technical problems from a Chase ATM machine malfunctioned on XXXX/XXXX/2016 during my deposit, please see the letters attached from Chase Bank and the cases that I reported at CFPB previously in the months of XXXX and XXXX XXXX XXXX, XXXX, and XXXX ). Thus, I was not able to receive the XXXX rent from my tenant. The check sender, my tenant, informed me on XXXX/XXXX/2016 that her XXXX Bank account was hacked on XXXX/XXXX/2016 after Chase Bank deposited the {$2100.00} check on XXXX/XXXX/2016. As of XXXX/XXXX/2016, per my tenant, the funds in a total amount of {$2100.00} still has NOT recovered at my tenant 's XXXX Bank, and thus I have not received my XXXX rent in a total amount of {$2100.00} from my tenant. With a successful deposit at Chase on XXXX/XXXX/2016, I would NOT experience such painful problems for months. This could be proved easily from my Chase Plus Savings account ending in XXXX over the past three years as a tracking record/history that can be verified. This is the first time and hopefully the last time that I experience this painful ATM Technical issues. It raise red flags for me to ever use Chase ATM to deposit once again. All of the deposits ( both teller and ATM deposits ) went successfully except the XXXX check {$2100.00} deposited on XXXX/XXXX/2016 with a malfunctioned Chase ATM that cause horrible experience for me. 

Overall, I am dissatisfied with Chase Bank on handling this matter that indeed caused tremendous ripple-effect problems due to the root cause of Chase ATM malfunctioned occurred on XXXX/XXXX/2016. Chase Bank has not resolved the issue completely as I still have not received the fund on XXXX/XXXX/2016. Chase Bank closed the case and refused to continue to help. The Chase Branch where the ATM located was not helpful at all from the employees and Branch Manager since XXXX/XXXX/2016. I urge Chase Bank to reopen this case and be responsible for this incident until it is resolved 100 %. Otherwise, I consider Chase Bank is irresponsible and CFPB should make every efforts to work with Chase Bank to resolve this issue at a satisfactory level in a timely manner. As it currently stands, it is at unsatisfactory level from JP Morgan Chase. I am totally disappointed and the CEO of Chase should be informed immediately about my dissatisfaction on how the matter was handled by JP Morgan Chase Bank - it is incomplete and the case was closed and Chase refused to continue helping me as their customer to recover {$2100.00} fund due to the original issue was caused by the CHASE ATM. JP Morgan Chase Bank should be responsible for this loss and reopen the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There is a delinquency on my report which is not mine and this needs to be corrected by Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I was denied a consumer loan from my bank XXXX on XXXX XXXX 2017. 
Due to inaccurate credit scores provided to my bank XXXX by Experian. 
Page XXXX of XXXX sorry its upside down credit denial says my score is XXXX from experian. 
Page XXXX of XXXX My Experian credit score tracker I pay for through XXXX credit monitoring. 
Page XXXX of XXXX My Experian credit check & ID monitor XXXX bureau credit report on XXXX/XXXX/2017. 
You can clearly see the credit report I pay for is not the credit report my bank sees

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 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
as of today XXXX XXXX they have the following accounts reporting incorrectly and refuse to investigate XXXX financial services account # XXXX this is being reported incorrectly XXXX XXXX probation account # XXXX they have me listed as late I have never been late and they refuse to investigate XXXX account # XXXX again another account that they refuse to investigate this is also being reported in correctly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last month I sent a certified letter to Experian to dispute an Account # XXXX currently being serviced by XXXX XXXX XXXX XXXX company. I filed a complaint with the Consumer Financial Protection Bureau against this company back in XXXX of 2015 complaint # XXXX. CFPB sent my complaint to XXXX XXXX XXXX on XXXX XXXX, 2015, and was suppose to get a response from this company within 15 days. Today is XXXX XXXX, 2015 and still no response. I filed a complaint with Experian Credit reporting agency and received their findings concluded that this account was validated by the collection company, but yet in still they have not responded to me or the CFPB. I am sure that Experian did not validate this account but from what I have read are friends with the owner of this collection company and are protecting this company interest. I want Experian to provide me and the CFPB with the validation information received from this company. And I want this account removed immediately from my credit records and confirmation of this sent to me immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit report requested from Experian, was initially charged {$1.00} to " check my credit '' listed in my checking account as " EXPERIAN *CREDITREPORT XXXX CA '' and then {$21.00} every month following for 5 months with no option to cancel, listed in my checking account as " Experian *CreditReport XXXX CA ''. I did not request or receive any service for this charge and am unable to find where the charge is even coming from. Experian website provides no insight or option to cancel services, as I do not have an account with them. Total money stolen through these charges amounts to {$100.00}. I still have no way to cancel.

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 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a 30 day delinquency on my XXXX credit bureau reports. I have submitted my dispute with Experian, XXXX and XXXX and have not heard back yet with resolution. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. 

XXXX Bank is unable to verify the delinquency. Please refer to the captures uploaded as images for 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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2016 I attempted to access my credit report online through a credit monitoring service ... the site stated that they were unable to process my request so I called the customer service number listed. They told me that I needed to call Experian to correct some information because what I was entering into their system did not match Experian 's records. I went to Experian 's website and was able to access my credit report using my credit report number and social security number. When I reviewed the report I noticed that there were accounts listed that I did not recognize and the report did not show any positive credit history. I could n't understand what was happening so I called Experian on the phone. Experian 's representative told me that he could not locate my file with my social security number, he could not give me a reason why and stated that he would have to initiate some kind of investigation. I have not heard back from this investigation. I do n't understand what is happening because I just accessed a tri-merged credit report XX/XX/2016. I have had credit for years and continue to have credit accounts at this time so I am not sure what is happening at Experian but I need it fixed ASAP.

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 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has XXXX listed XXXX on my credit report, XXXX. It is the same XXXX fraudulent account listed XXXX. I have filed a complaint against XXXX to the CFPB and I have attached the signature on XXXX 's application page which XXXX forwarded to CFPB, in which you can clearly see it is not mine. I have attached my mortgage document with my signature and I have attached my domicile with my signature and addresses. Also, I have attached a letter from XXXX XXXX acknowledging it is her debt not mine and her admission that I knew nothing of the debt and the contact information on the application was not where I resided. I also ask for you to acknowledge the dates of my mortgage document with signature, also my property tax info which shows the date that I resided at my current resident XXXX XXXX XXXX XXXX. The mortgage document from XXXX XXXX, shows my XXXX XXXX XXXX XXXX , neither addresses coincides with the address on XXXX 's application. I have also attached my property tax document which shows the year I moved into my current address. I was not residing at the address on XXXX 's application, nor have I ever signed or received any documents from them. I have resided between XXXX and XXXX exceeding 15 years. I am asking again for the fraudulent accounts to be immediately removed.

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 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent Experian a dispute on XXXX/XXXX/2016, XXXX/XXXX/2016, and again on XXXX/XXXX/2016. It is now XXXX/XXXX/2016 and I have not heard back from them. According to the FCRA, Experian has 30 days to investigate the dispute and send me the results, if they do not get back to me they are supposed to delete the disputed accounts. I understanding going a few days over but, it 's been over 3 months and I have not heard anything back from Experian. Please contact Experian and have them delete the disputed accounts off my credit report.

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 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I attempted to logon to Experian to obtain access to my credit report. I need a credit report number to file a dispute and the service I use through XXXX does not give me a credit report number. When I attempt to login to the site, to purchase a copy of my credit bureau, it gives me an error. I contacted Experian ( as per their website instructions ) and I was told due to an internal error they were unable to reset my password and I could not access my report. They then suggested I call XXXX to see if they could help. I advised them their internal computer error was not my issue and that I needed a copy of the report. They refused to assist me. I spoke with a supervisor named " XXXX '' in the Texas office - ID XXXX who refused to transfer me to a manager and told me she had no information on any regulatory agency governing the bureau. I would like to be sent a copy of my credit report so that I may dispute an item that has been reported to me through a 3rd party ( XXXX ).

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