vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: NY

Complaint narrative:
We moved from XXXX to XXXX, and before moving, we went to XXXX and closed our account. Two years later, we have received a notice that we owe {$210.00} in account inactivity fees. We called XXXX and informed them we had closed the account two years ago. They say they have no record of that. Now we are receiving collection notices from Glenn Associates Mid-Atlantic, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 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:
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.

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 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have been trying to get my free credit report from them and every time i try the telling me i have to pay to get it from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The I.R.S. had placed a Federal Tax Lien on my personal credit report and I paid my taxes in full on XXXX XXXX, 2014 and they will not correct this. I have contacted Senator XXXX XXXX office for assistance in getting this removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried contacting the credit reporting agency at all their available numbers, however, I have repeatedly been unable to get in contact with a real person. Every programmed phone tree I am placed in eventually tells me to get my free report from the annual credit report website, then hangs up on me. When I tried to re-access my report, the agency says I 've already accessed my report, even though I was denied on my first try. I have no idea who to contact on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please accept this as a formal complaint against Experian Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : this account is scheduled to continue on record until XX/XX/XXXX - comments : transferred to another lender ' is erroneous because the house that I owned was short sold back in XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE DISPUTED CERTAIN ITEMS ON MY CREDIT REPORT WITH EXPERIAN. I WAS TOLD THAT THEY HAVE THE RIGHT TO THEIR OWN DECISIONS AND WHAT MAKE MY WORD ANY GOOD. I ASK HOW DID THEY VERIFY THE VALDIATE OF THE BILL AND WAS TOLD THAT THEY DONT HAVE TO TELL ME NOTHING WHEN I ASK FOR A SUPERVISOR I WAS TOLD THAT THE ALL SUPERVISORS WERE IN A ALL DAY MEETING AND WILL CALL ME BACK WHICH THEY HAVENT. I ASK THE AGENT ON THE PHONE HIS NAME AND ID NUMBER SO I CAN REFER THIS CALL BACK TO HIM I WAS TOLD IT IS AGAINST THE LAW TO GIVE ME THAT INFORMATION. EVERY TIME I CALL THIS COMPANY I GET DIFFERENT DATES WHEN THIS DEBT IS TO FALL OFF OF MY CREDIT. THIS BILL IS OVER 10 YEARS OLD AND I TOLD EXPERIAN THAT THE COMPANY IS FALSIFYING THE DATES SO THEY CAN CONTINUE TO STAY ON MY CREDIT. I WAS TOLD THAT IT IS NOTHING THAT CAN BE DONE. i TOLD THEM THIS COMPANY XXXX IS A FRAUD AND THEY KEEP SELLING THIS BILL TO EACH OTHER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted both the the company in charge of the incorrect collections account as well as Experian to have it reversed. Speaking with Experian they refused to offer any real assistance and when asked to speak with a supervisor I was refused this as well, and told I could recieve a call back but there was no gaurantees.

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 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX NOT XXXX XXXX XXXX. Please remove from credit report as soon as possible. This is causing problems with my reports being reported correctly.

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 2016-06-30 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:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation. 

Thank You

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 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian refused to investigate my identity theft claim of unauthorized and fraudulent accounts and credit inquiries listed on my Experian credit report, even though I filed a police report with the XXXX XXXX Police Department and have a police report on file. Police report case number : XXXX : XXXX. I am a victim of identity theft. The following accounts and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXX Bank, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, 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 non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had student loans that defaulted. The loans were bought and transferred by several companies before they were rehabilitated. The original lender was XXXXBank XXXX. The loan was bought/transferred to the XXXX and then rehabilitated via XXXX. I disputed the information several times to Experian and they come back with it being validated even though I have provided information stating that the loans have been rehabilitated and derogatory information regarding the loans would be deleted. I have disputed the loan creditors ( XXXXBank XXXX ) with XXXX and the result was letters received stating that the information would be deleted from my credit report file. XXXX and XXXX have removed the information but Experian has not. Further, I was recently denied a mortgage because this information is listed as a serious delinquency on my XXXX Report. I want this information removed immediately. I have also disputed a line of credit from XXXX that I paid in full back in 2013 and a CFPB complaint with the company and it 's collector agreed to delete the information. Again Experian has not. This information needs to be removed immediately.

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed bankruptcies on my credit report multiple times, after submitting a federal judges court order redacting my information. An representative of Experian by the name of XXXX XXXX personally closed out disputes making it difficult for me to reinvestigate. He has placed an alert on my file for no one else to assist me and when I am transferred to him he has not returned my phone call or answers the phone when you reach out to a different department the consumer assistance division told the switch board not to allow me t speak to any higher ups higher than his department.

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 2016-10-08 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: NY

Complaint narrative:
I have not been able to use a monitoring service with Experian for 2 months. My credit report has not updated since XXXX XXXX, 2016 and I have been in contact with the Executive Management with Experian since XXXX/XXXX/2016. I have made 32 phone calls with regards to this since XXXX/XXXX/2016 and spoken to XXXX different people about this issue and I have not been helped. After several months of contacting the staff members of Experian and not being helped I contacted the corporate office who promised me return phone calls, but they never called me back. After reaching out to the corporate office and not being contacted back I contacted XXXX XXXX the Vice President of Information Services by phone and email and she refused to respond to my phone messages left or emails sent. No one at Experian is concerned with the fact that I as a consumer ca n't access my credit report. 

I was a member of Experian 's XXXX Website that should have allowed me receive updated credit reports and scores on a daily basis, but as of XXXX/XXXX/2016 that service no longer worked. Even the people within the credit monitoring department at Experian ca n't update my credit file, but they have not cared one bit to fix this issue or assist me in any regard and this constitutes a breech of contract since I purchased their service that would allow me to update my credit reports and update my credit score on a daily basis.

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 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attempted to submit a complaint with Experian but, they keep telling me they can not release my information and I can not get a representative on the phone. There are several names connected to my social security number that are not mine. My name is XXXX XXXX XXXX. After going to a closing for a recently purchased property they presented me with at least XXXX names connected with my SSN that I had no idea were there. I recently pulled my annual credit report and this information was not disclosed on it. The names listed are any variation of Love XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am sure Experian is the problem but, can not even submit my complaint. Furthermore, I now have to have the documentation from the credit reporting agency that says I am who I say I am before I can get these false names removed from my XXXX account and my XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information 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 2016-05-13 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:
XXXX XXXX XXXX, I have been asking for a copy of the originally signed contract. It can not be produced by XXXX or Experian since the credit account was with XXXX XXXX. Experian has been ignoring my requests for more than 30 days now. XXXX XXXX XXXX also can not produce it. The account needs to be removed since It can not be produced. 
XXXX XXXX XXXX, i have been asking for signed original contract. Where is the XXXX credit card agreement and the full payment history as requested.

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 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A dispute was submitted to Experian concerning XXXX accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for the month XXXX and XXXX which should not be there. The car was paid in full XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full. 

XXXX XXXX XXXX was a previous collection account that was closed and removed from my credit report in XXXX XXXX. A notification was not sent to Experian which prevented the account from being 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 non-monetary relief
Consumer complaint received 2016-11-18 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:
customer service would not help and take care of the negative inquiries reporting to 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 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX put a collection on for a 10 year old XXXX bill that I do NOT owe. I challenged the collection through Experian which is the only reporting agency showing the collection. XXXX sent me a letter asking for more information so they can help me with the dispute, which clearly shows they do NOT have the information needed to verify the debt to the reporting agencies. XXXX never responded to Experian, however Experian left the account on without updating, showing that the account is in dispute, it has no payment history or correct information as required by the FCRA to report on my credit. Experian is obviously allowing the miss-reporting and XXXX is blatantly using my credit report as a collection tool for a debt that is not owed. This is causing my credit score to be XXXX points lower than the others and keeping me from getting the approval for a home loan. I implore your help with getting this matter resolved in a quick manner. I am having the same issue with Enhanced Recovery as well regarding a XXXX XXXX collection for equipment that was returned long ago. Once again I disputed the account through Experian and they did not update or were they able to meet the FCRA requirements to be on my report and they are violating my rights as a consumer. Once again I ask that you help me with this matter. I have complete faith that you will get this resolved for me. I have attached the dispute results from Experian. Lastly XXXX, again is only being allowed to continue its erroneous reporting on Experian. They have not responded nor updated since XX/XX/XXXX and I have disputed the paid in full account 3 times in writing by certified mail with Experian and still they have not updated or removed the account. I have asked them to validate their verification of the debt and they have ignored my request and only send the same response that ignores my legal request as a consumer. They are obviously disregarding the law and your authority by doing this, as well as my credit reporting rights. Thank you in advance for your time in handling this matter.

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