vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have repeatedly disputed identity theft accounts on my credit bureau with Experian. I completed an identity theft affidavit along with a Police Report and sent it to Experian. When I called to find out why the items have n't been removed, I was told that I am no longer eligible to dispute incorrect items on my credit report and Experian would not be removing these items. I have asked for proof of verification and have not received it. There are currently XXXX items which do not belong to me on my credit report and they are damaging my credit. I have contacted the creditors and they do n't have any accounts for me. How is it possible for Experian to damage a consumer 's credit without proof.

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 — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent Numerous notices to Experian to delete the inaccurate accounts they could n't verify or Validate to me. This is an Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 et. Seq. ) These accounts are not mine & need to be delete from 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 2016-05-11 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: KS

Complaint narrative:
I was told I could receive a copy of my credit report from a Experian XXXX after a company used them for my decision. I mailed Experian XXXX exactly per address given and it was returned " Return to Sender '' Unable to Forward '' Then I tried the XXXXXXXXXXXX they also gave me and it says no such web address. See attached for letters and return envelope etc Thanks

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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is being sent to you in response to a listing on my credit report from CREDITCHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDITCHECK TOTAL. 
For the purposes of XXXX XXXX XXXX XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

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 2016-07-25 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 contacted and sent Fraud Affidavits to Experian and XXXX in regards to account numbers XXXX and XXXX. To date, I have not received anything from XXXX. However, Experian keeps sending me reports stating that this account is accurate. This is not my account. I have been a victim of identity theft and I will like these accounts removed from my Experian Credit File. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.

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 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent them the document in this complaint and I got the letter from them dated XXXX XXXX. I then called them om XXXX/XXXX/2017 and they told me my document that clearly states that I paid it in full, was not good enough. I called the XXXX and told them what had happened and they were baffled that it was still on my credit report. They told me to write a complaint to 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 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
CURRENTLY THERE ARE XXXX ADRESSES LISTED ON MY CREDIT REPORT. 
PLEASE REMOVE THEM AND LIST ONLY MY PHYSICAL ADDRESS OF : XXXX XXXX NY XXXX THE XXXX XXXX WERE THE LISTED WITH THE PHYSICAL ADDRESS NOT AS SEPERATE ADDRESS THESE WERE STILL CONSIDERED THE XXXX ADDRESS 3 YEARS AGO DURING ROAD CONSTRUCTION I WAS PROVIDED XXXX XXXX XXXX SO I DIDNT MISS ANY MAIL DELIVERY THE XXXX WAS PROVIDED FOR MISSING MAIL ISSUES DO TO OTHER PEOPLE STAYING AT THIS RESIDENCE I WAS ALSO RECONSTRUCTING MY DRIVEWAY THIS PAST 12 MONTH AND SOMETIMES MY MAILBOX AT THE PHYSICAL PROPERTY ADDRESS WAS NOT ACTUALLY UP PLEASE REMOVE BOTH XXXX ADDRESSES FROM MY CREDIT REPORT, ALL CONSTRUCTION HAS BEEN COMPLETED AND OTHER RESIDENCE HAVE MOVED I WILL BE RETURNING BACK TO THE PHYSICAL ROAD ADDRESS.

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 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing stuff on Experian credit report agency for almost a year. They They do n't respond in the timely manner. Disputes takes over 30days should remove from Experian credit report. At least that 's what the law indicates. I would like to escalate this problem on a bigger issue. report this agency. 
Please help me in this matter as this is getting very annoying. My family is looking to buy a house and this is a burden on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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 was under a modification program and should not be reported late 60 days XX/XX/2015. the monthly payment amount is incorrect also, it should {$1300.00}, Experian never verified the account.

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 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to dispute the issue but the company says it has no record of my 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 2017-01-04 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:
I worked with a debt collector to settle an account which i paid off. The debt collector reported to experian that the account has been paid. But when I requested that this account be remove, it was denied. The account is hindering me from finding a place to live for myself and my child. The response i was given was that the debt will remain for 7 yrs. But over the last two months i have paid off three other debts and requested the also be removed with no problem. I dont understand why sum debts can be removed and others even if paid remain no matter how detrimental it is to my wellbeing. Ive worked really hard to correct my past mistakes with my credit and have built a XXXX score from a XXXX score just a lil over a yr ago. I would appreciate any help if possible with getting this paid off debt removed from 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 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint presents a separate violation. I have submitted formal demand for Experian to block the XXXX collection records reported by XXXX XXXX XXXX. XXXX XXXX XXXX falsely reports that I have not contacted them directly and that I have not submitted all required documents to show proof of identity theft including the identity theft police report and other supporting documents. Experian has sent me notice that the XXXX records remain on my credit report and direct me to contact the creditor because they have no way to contact me. That is a blatant lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points, which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.

Company public response: Company 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 — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have asked the credit bureaus to validate the bankruptcys on My credit report. Their response has been they have validated the items. They responded that they did. I spoke to them on the phone and Asked how they verified the information. Their response was they used a 3 party to validate these claims. They would not say who this third party was. I spoke with the clerk of courts and they do NOT supply the credit bureaus with this information when I disputed the items. Not only that the address supplied by the credit report company is in accurate, thus another reason why these items need to be removed. When these items are validated by a 3rd party we do not know how many other parties are in the string of validation and does not come from the original source. I feel This is violation of the fair reporting act which clearly stated this information needs to be validated directly from the source. By using another credit reporting to validate a debt is NOT verifying a debt!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My son went online to order a free credit report. the website offered a FICO score for {$1.00}, so I offered to pay for the FICO score, and input my credit card information. Unbeknownst to me Experian now had my credit card information and proceeded to enroll my son in a credit monitoring monthly service for $ XXXX/month. I did not select a box, or approve of this charge to my credit card. Experian is using FCRA and FACT ACT for their financial benefit. If you go online and search if others are having this same issue, under the Consumer Affairs website, you will find a lot of complaints about the same scam, but people do n't follow-up on it - they just pay for the fraudulent charge, and have it cancelled. I would like the CFPB to investigate these tactics, and ensure that the free credit report that the FACT ACT guarantees is not exploiting consumers. 
To manage this situation, for the XX/XX/XXXX charge, I disputed the charge with my credit company, which took several weeks and extended efforts on my part. The credit card company closed down my credit card, and issued a new account number because Experian now had my credit information. Before they could close out the account, Experian charged me for a XX/XX/XXXX {$21.00}, which I am now disputing with Experian once I get my old credit card account number from XXXX. I want Experian to provide me restitution for the time and efforts I have had to put into this situation - restituting consumers for time and effort my cause them to manage their business with integrity.

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 2016-01-30 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:
I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number 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 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.

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 2016-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
In XXXX XXXX, I entered into a modification agreement with M & T Bank, a modification I believed was to make owning a home affordable for those who have had trouble in the past making mortgage payments, all it did was start my mortgage over again as if I 'd just walked out of settlement. I 've gone through bankruptcy trying to keep this property out of foreclosure and all this bank tries to do is sabotage this mortgage every chance they get. I received a notice telling me that I have not fulfilled my modification agreement and that the property will be entered into foreclosure. I have spoken with an M & T Bank representative and have asked for the latest date my payment can be in that bank, I was told no later than the XXXX. My XXXX XXXX payment will be made via walk in branch on XXXX XXXX, XXXX or via electronic online delivery, nonetheless, it will be in office before XXXX XXXX, XXXX. However, I do n't recall reading my agreement and seeing that M & T Bank is required to call me every month to ask me when I plan on forwarding payment. One month, I believe XXXX XXXX, they tried to tell me they had n't received payment ( typical M & T bank procedure ) I also noticed that for that month, a date was n't stamped on the check they cashed, things that make you go hummm?, why was that? I have made every payment since the agreement and XXXX XXXX will be no different.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has fail me twice in erasing wrong personal information from my credit report, and they have the audacity to send disputed results as old information deleted.

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