vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian reporting inaccurate information on my credit file. 
XXXX XXXX XXXX has been paid and closed since XXXX XXXX, XXXX. I have filed multiple disputes on this account and each time I file a dispute they update with more inaccurate dates and information. Experian is reporting that this account is just now paid for on XXXX XXXX, XXXX. This is creating negative marks on my credit file.

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 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX have posted XXXX delinquent account on my credit that does not belong to me, the account belongs to my wife and she already paid it off, she just issued a card for me under her account so why they issued that on 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 2016-02-27 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:
Despite multiple requests, via phone, mail, and online dispute, wherein I have reported that a particular item on my report ( XXXX XXXX Bank Acct. # XXXX ) is not mine, Experian has neglected, failed and refused to remove and delete this item or respond to my request for re-investigation pursuant to FACTA and FCRA. Rather, the report merely idicates the item has been " updated, '' meaning that the item " was verified as belonging to [ me ]. '' I continue to dispute this " update '' ( and want to learn more about how they purportedly carried out their alleged investigation and " verification '' ).

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 2015-04-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Argon Credit
State: AL

Complaint narrative:
I applied and was preapproved. Sent all my documents got a response I would have an amount and final approval within XXXX hours. XXXX days later I received an email saying I was approved for {$10000.00} and they forwarded me the loan documents to sign. I signed the loan agreement and called the next morning asking when the loan would fund. I was told it would fund that night which was wensday night. I then received an email that I was declined. No explanation. I thought this was a mistake so I called and spoke to a supervisor and he said when the loan was ready to fund the software kicked it out. I could apply in a few months. He then asked me how much money I make, I told him I am paid weekly and monthly. At that point I figured not all of my correct income was entered, because I make exactly what I stated and faxed in. I think the issue was they entered my weekly pay but my monthly is XXXX as much. I called back to speek to someone and was suppose to get a returned call and once again no call. I emailed again once again no reply- I feel like if you tell someone XXXX hours and take a week - then tell them they are approved- then have them sign the loan agreement- then tell them they will find that night. Then you simply send them and email saying you went from approved to declined when nothing changed and everything was accurate. They deserve atleast a returned phone call after they wasted XXXX days waiting and doing everything that was asked. Most importantly I do n't feel like a business should ignore there customers! I am wondering if it is a legitimate company or not now that they have all of my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 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 been in dispute with XXXX account on my Experian report, The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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:
This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - Account # XXXXPlease delete the above information as quickly as possible. 
With Attached proof you can see that XXXX XXXX has:1. Changed the account number from the number that is listed on my credit report2. XXXX XXXX is trying to verify an address I never lived XXXX. XXXX XXXX has failed to verify that the account was mine as stated in letter4. XXXX XXXX has no record of application5. XXXX XXXX has failed to remove account after reported identity fraud with fraud reort attached as evidence

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 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:
This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm kindly requesting that someone please investigate Experian. This is my second letter to them and I 'm getting no results. There has been a bank error and I have attached proof to show. Furthermore, I do not believe that XXXX using their XXXX system conducted a proper investigation. 

Please see attached documents relating to the complaint

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 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Never lived in Pennsylvania in my life. 
Also NEVER known as 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 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted the credit reporting bureaus on XXXX XXXX, 2015 and till this day i have not heard back from any 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 2017-02-07 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:
I have informed you that the XXXX account that is reporting on my credit file is not mine. Please remove this account from my credit file. I have attach a police report as proof that this account is a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-06 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 refusing to investigate, verify and remove some accounts from my credit report/file 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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please help me, there was a judgment filed a while ago that should have never been files as the debt was paid before it was ever filed. I disputed the item several times which the only agency reported is Experian, they stated no they would not remove so I had my attorney go to the courts and obtain a motion to set aside, which I attached. The judgment should have never been filed and everyone agreed. Why is Experian not complying with the law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I write and question some things on me credit report. They fix some. But now I try to get mortgage for house and they leave some things in dispute. Experian needs to fix this. I never say I dispute. I agree with what they tell me. So no dispute for:1. 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 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For some odd reason Experian is keeping everything on my report for 10 years. I do have a bankruptcy and understand that has to stay, but other things that should fall off in XXXX ... everything is defaulting to 10 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian refuses to remove the fraudulent account off of my credit file due to fraud.My social security number was stolen from me and used to open accounts in my name without my permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon pulling my annual credit reports on XXXX XXXX, 2016 I became aware of a collection account that I had no knowledge of. It was a medical bill from XXXX XXXX XXXX, account # XXXX, stating that the original creditor is XXXX. 

I have lived in XXXX XXXX XXXX all my life and do n't ever recall going to XXXX XXXX for XXXX XXXX. 

This collection was reporting with all three credit reporting agencies. I did an initial dispute on XXXX XXXX, 2016 with all three credit bureaus. Within twenty days XXXX and XXXX both deleted this collection but for some reason with Experian it came back verified. 

So on XXXX/XXXX/16, I sent XXXX a debt validation letter ( see attached ) Priority mail # XXXX ( see attached ). 

And on XXXX/XXXX/16 I wrote a follow up letter to Experian ( see attached ) priority mail # XXXX ( see attached ), and as of today I still have n't received any information showing how could I possibly owe this debt. 

I was n't notified before it went on my reports and as of today I am still not being provided with any information concerning this debt which is causing me a great deal of financial stress. 

It seems XXXX and XXXX have done the right thing but Experian wants to cause me a great deal of grief.

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 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
My loan servicer sent insurance payments from my escrow account to XXXX different insurers. Prior to my insurance policy expiring, I called the servicer to inform them of a new carrier. The old carrier and the new carrier submitted an invoice to the servicer. The servicer paid both bills and refuses to contact the original insurer to get my funds back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc.
State: VA

Complaint narrative:
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX accounts on my credit report. 1 ) XXXX is a XXXX balance, unable to get them to remove the item stating they need documentation 2 ) XXXX XXXX paid in full states they need documentation which the company has sent to them plus they refuse to make changes to the credit report with my documentation. They are famous to state they will not reinvestigate the account. This is against the FRCA .But they intimidate customers staying even though paid will not reinvestigate the accounts. Accounts status and balances can change and they should be fair and transparent to the customers if information is provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My ex wife used my social security number and obtained a credit card in my name, while XXXX and its affecting my credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested Experian to revolve a tax lien from my credit report as it does not belong to me. The credit agency says that they verified the information is correct. That is absolutely not truethe lien is not mines and should be removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a satisfied judgement on my credit report the judge has vacated it please remove it from my credit report.enclosed is a copy of the consent order from the court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hired a contractor to install gutters, but he never showed up. The contractor secured an 18 month interest free loan w/ XXXX XXXX XXXX , & told me to send in monthly payments. He said this way I could try to beat the high interest charge rate at the end of the 18 month period. So when I received my 1st invoice, I sent XXXX a payment of {$50.00}. The contractor had said he was on a big job and it would take several weeks to start my job. That was on XXXX XXXX, 2016. In XXXX, when I stated calling the contractor, he never returned any of my phone calls. When I contacted XXXX XXXX, they were also unable to reach him. XXXX had also called me to confim how the job was going on several occassions and I told them the contractor had not started it yet. Then I noticed my Credit report had a charge on it of {$600.00}. When I called XXXX to complain. They said that they already paid the contractor, even though I kept telling them he did not show up or do any work. I believe this is a fradulant charge and would like it removed from my credit file.

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 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I discovered there had been a XXXX day late placed on my credit report in XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, ( XXXX ). I contacted XXXX over my credit report, they explained that there had been an error on my account and they would send a letter to all XXXX credit reporting agencies and have the XXXX day removed. XXXX XXXX XXXX immediately removed the XXXX day late from my credit report. Experian still left the XXXX day late on my credit report. I have filed two disputes with Experian, and XXXX times have come back denied. After the second dispute, I received a letter from Experian explaining that the XXXX credit reporting agencies interpret data differently, therefore they would not be removing the XXXX day late from my credit report, even though it had been requested by XXXX to be removed. 
I have no choice to believe that this is a discriminatory act from Experian because I am XXXX Service Member. 
I am respectively requesting any assistance in this matter. The only flaw on any of my XXXX credit reports is the invalid XXXX day late from XXXX that Experian refuses to remove.

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: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Wife and I are looking for a joint mortgage, but we are denied because ~XXXX years ago XXXX and XXXX XXXX failed to update XXXX judgements as Paid-In-Full. Now the home I want may slip out of out hands as I " try '' to present court receipts to the XXXX agencies. Because there was XXXX Judgement in each of our names, this is an auduous process. By phone, hold times are a joke. Online, I must recieve credit reports before adressing the issue on each company. Email contacts for this issue are not posted, and snail-mail contact will insure the only home sharing property lines with my parents will belong to somebody else. This is not a disputeable issue, this a factual issue will much documentation that was not updaded by the companies. 

This also means that my car loan, my car lease, my credit card payments have been based on incorrect information. For years my wife and I have been subject to injustice due to failue to conform with the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
As a judgment against me, case # XXXX out of XXXX XXXX XXXX XXXX, is listed, but lists the account status as " Unknown. '' I have been denied housing and utilities on more than one occasion in past due to this record being inaccurate. As a public record, anyone can see that the debt has been satisfied, paid in full, in XXXX of 2012. As it seems that the credit reporting agencies do n't have the time to investigate what they report, I would appreciate the help in urging them to do so.

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 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Experian states they have verified information that is incorrect. I have called them and am told that all they do is electronically send messages to the creditors who pay to put the negative information on their site and they check yes or no for the verification. This is not validating a debt or address, etc.! There are items that the other bureaus removed that Experian refused to remove!

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