vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-11 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: NY

Complaint narrative:
I am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either Experian or 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 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My husband and I separated in XXXX XXXX and settled support issues in XXXX County court in XX/XX/XXXX. Equitable distribution did not occur. We agreed in XX/XX/XXXX ( mediated by attorneys ) that he would occupy and assume all financial responsibility of the marital home as I moved to Florida with our daughter in XXXX and had rent and bills of my own. His agreement was to pay the mortgage, taxes, etc until divorce was final. The house was for sale but he passed on XXXX great offers and 3 years later unbeknown to me, he defaulted and filed bankruptcy 3 years after that. Since I did not live at the address and XXXX said ( after the fact ) that they could only mail to one address, I was unaware of what had occurred. I received no communication from my ex or XXXX! They continued to send correspondence to me via mail to an address that was years old. As my credit began to tumble ( credit cards, denial for car loan, etc. ), I ran a report and contacted XXXX to explain the situation and they treated me as if I was in bankruptcy and headed for foreclosure. My credit is outstanding ( minus my ex-husband 's default ) but since this default perpetrated by my ex husband was not removed from my report, I have been denied an SBA loan and HELOC to start my own XXXX. I am unemployed and need to have this removed from my report in order to regain my credit in good standing. I should negatively affected by this reporting on my credit. I am not protected under any bankruptcy and since finding out the gory details, I have moved to get this house sold to stop the foreclosure and expedite a short sale. I understand that XXXX XXXX does not recognize my legal separation or divorce decree, but a few lenders told me that laws have changed and if a letter from the " responsible party '' is presented, the credit bureau can clear this off. Please clarify. In addition, please help me to have this removed from my credit report while I am not proactively working as a mediator between my ex husband and the bank to recover the defaulted funds from a short sale- which I also DO NOT want or need on 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 non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have received outstanding bills that have been paid in full. The bills and proof of the payment has also been attached. The bills have not been removed by the credit bureaus and have negatively affected my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.

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 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Two months ago XX/XX/XXXX I became aware that someone had stolen my identity and used it to open a couple of credit cards. I caught it right away, had the cards shut down and placed a fraud alert on all of my reports. Today I get a notice that XXXX has pulled my credit report. When I contact Experian 's fraud department they direct me to call XXXX. XXXX directs me to call Experian. And on and on. All after a fraud alert has supposedly already been entered.

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 2016-12-18 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 not responding to any of my requests to investigate, verify and remove accounts from my credit report that do 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 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted offical documenation to Experian that they are report bad infromation on my Credit file. CitiMortgage Acct # XXXX, IS PAYED in FULL and was never 'Legally paid in full for less than the full balance ' as Experian is reporting on my credit report. Supporting Documents attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. 
XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked 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 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to Experian to have it removed and they performed an investigation witch did not remove it from my credit report. 
XXXX Inquires from XXXX were removed but not the derogatory account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent disputes already but no contact or changes have been made. 
All XXXX credit companies are still negatively reporting a XXXX AccountIt has been 8.8 years since Major Delinquency First Reported. This account had never been brought current after this and has exceed the date XXXX and Federal Fair Credit Reporting Laws for being able to report in any mannerThis was also disputed with the original creditor and a good faith adjustment was made on this account that cancelled any balance owed. 
I will attach the report from the creditor but you can also review the actual documents and dates atThe original dispute made on my behalf CFPB CASE # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting as an open unpaid account with a past due balance of {$8300.00} as of XX/XX/XXXX. 
This account was opened XX/XX/XXXX and included and Discharged in my chapter XXXX Bankruptcy XX/XX/XXXX. 
Experian refuses to correct this 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 non-monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: TX

Complaint narrative:
Hello, I changed Homeowner insurance companies in XXXX, 2015. My insurance company ( XXXX ) and I both called the insurance company on a conference call to inform my mortgage company ( Statebridge Company, LLC ) about the change. The person took the information and changed it in the computer as XXXX gave them the updated information. I received a letter in XXXX, 2015 from the previous insurance company stating they received a check, however the policy had been canceled and the check was being returned to Statebridge. Both XXXX and myself have made several calls to Statebridge and XXXX XXXX XXXX. Apparently Statebridge contract out their insurance service to XXXX XXXX XXXX. I called XXXX XXXX XXXX. on Tuesday, XXXX XXXX, 2015 and was told I had to fax over the cancellation later from the previous insurance company. As of today is XXXX XXXX, 2015, I do not have any homeowner 's insurance on my home. I also received a letter from Statebridge on Monday, XXXX XXXX, 2015, stating that Statebridge was going to do force placement insurance on my home. They have all my insurance information, therefore why would they send me a letter stating I do n't have insurance? This entire situation has taken a toll on me and I am very frustrated with the lack of communication between Statebridge Company, LLC and the XXXX XXXX XXXX. company they have contracted to send out their insurance payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent Experian a letter informing them that the telephone number that they have on file for me is not accurate. I asked them to update my telephone number with 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 2017-01-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, For the past year we have attempted to obtain a XXXX without success. Due to an attempted identity theft, our XXXX credit reports were frozen. XXXX uses XXXX for the XXXX processing. At their ( XXXX XXXX request I temporarily lifted the Experian freeze via the Experian website and re-applied for the card. Approximately 4 times during 2016 I lifted the freeze temporarily, applied for the card, and was denied. Each time the reason was that the Experian freeze was not lifted. All attempts to call Experian and speak to a person were unsuccessful. Experian seems to be excellent at avoiding direct customer contact by phone. 
XX/XX/2016, I requested Experian to permanently remove the security freeze on my account. The Experian confirmation letter is attached. XX/XX/2016 after receiving confirmation of the freeze removal, we re-applied for the XXXX and were again denied. The denial letter from XXXX is attached. The reason again is that the Experian freeze has not been lifted. Please contact Experian and / or XXXX on my behalf and attempt to resolve this. The problem seems to be with Experian not lifting the freeze.

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 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Ive attempted to file a dispute with Experian numerous times via their website and have been unable to, they request information sent via mail, this information was already provided to prove identity. I submitted social security number, address, DOB, etc. Still, they request information be sent, which makes no sense as I am able to view my credit report but not make any disputes. I pay a monthly membership fee and should be able to file online disputes as part of paid membership. Their rep stated other people are having the same problem, it appears to be a technical issue on their side. Whatever the case may be, I pay a monthly membership and should be able to file disputes online as I am able to view my credit report. Do not mark this as duplicate as additional information has been provided here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
my credit score decrease without any specific reason in XXXX XX/XX/2015 and I paid off in full a personal loan XXXX XXXX bank and I didnt received XXXX credit from all credit bureas. I contacted Experian credit report and I was told by a representative some times my credit score will decrease without any reasons.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: TX

Complaint narrative:
I have student loans with XXXX, XXXX, and ACS. With XXXX and XXXX, I file paperwork once a year to enroll in income-based repayment ( IBR ), and my enrollment is good for one year. This is how IBR is supposed to work : yearly enrollment. However, with ACS, I have repeatedly had to enroll in IBR multiple times per year. Every year for several years now, I have enrolled in IBR with ACS, only to be knocked out of IBR, and then I again must submit paperwork to ACS to re-enroll in IBR. This is time consuming and results in being placed in the standard repayment plan, which means that until I again enroll in IBR I risk defaulting on my loan if I do not make full payments. Plus, as far as I know, ACS only accepts IBR enrollment through mail or fax and can take several weeks to process the paperwork, whereas XXXX and XXXX accept enrollment in IBR online and through e-mail and process documents much faster. I am tired of dealing with enrolling in IBR with ACS multiple times per year every year. This practice should not be allowed and increases the likelihood that loan holders will default on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi Experian and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. 
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 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My friend was helping me by co-signing for my residential rental. She obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$1.00}. Then they started charging her credit card ( she paid for me ) monthly for ongoing monitoring that I was unaware we was signing up for. Unfortunately I did not notice right away. It was {$21.00} a month. I called Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. My friend did n't see/notice this fine print. I looked online at XXXX to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. My friend has now been billed for this monthly fee for 4 months starting in XXXX. Experian refused to refund the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I brought up my credit score, as a service from XXXX XXXX, it continues to say '' serious delinquency ''. I called them and they said they get their information fromExperian. I have asked you guys for MONTHS to help me with this and you have done NOTHING. I have responded to endless letters, forms, I have called ... do I need to get my legislator involved? NO ONE WILL TELL ME WHAT THE SERIOUS DELINQUENCY IS WITH MY CREDIT SCORE. I am not in serious delinquency on anything yet it continues to show up!! What in the hell is it? Why wo n't you help me? Do I need to get an attorney?

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

Complaint narrative:
I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

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 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX said I owed a balance from an old bill and have been reporting me delinquent for over a year. They never contacted me to pay it. I think they should delete this from my credit and waive the charge for this inconvenience and wreck of my credit. The account number is XXXX and amount is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation