vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian 's upload/dipute system is non-functioning so I ca n't dispute these items on my credit report. 
XXXX, ACCT NO.XXXX has XXXX collection accounts reporting for years reporting a duplicate collection for a single service with slightly different amounts and a single digit difference in the account number XXXX and XXXX dollars.the original creditor is XXXX.Please delete XXXX accounts.

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 2016-07-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: MS

Complaint narrative:
I was under bankruptcy because my mortgage was XXXX $ so I was contacted by XXXX XXXX XXXX XXXX and they work with preferred law, this was in XXXX 2015 so we started a packet they asked me to fill out documents send them back and they said my file will go to my lender and a negotiator and that it will take 10-15 days we 'll they been asking for the same info for six months they collected over XXXX, they claimed my insurance was escrowed Ave it never was, the switched all my contact info to them so I could n't contact my lender not could they contact me, they had me stop my bankruptcy, and also told me not to send any money to my mortgage, I 've asked over and over for proof and results since it 's been over 6 months or to give me a refund they did n't try to resolve it nor when I kept asking for proof and asking questions they ignored it they said they closed my case and I probly ca n't get a refund because of all the so called work they did, ask they have done was have my old mortgage servicing company send them my mortgage note, I at my own expense sent all required documents called my lawyer and did most of the fit work, I did alot if work on my end they ca n't show me proof of anything but asked for more money they said the {$3900.00} was for ask the work they done and that the extra money is for continuing my case well that 's what the letter I got says they have a retainer agreement that says that amount of extra money is for something else and i was verbally told the money is for them and then getting needed info I 've caught them in so many lies and nothing ads up all I isa refund so my child can have XXXX there 's so many discrepancies i ca n't think of them all to note but I can say this they have complaints with the XXXX even on there own XXXX page under preferred law they have complaints I 'm trying to do ask that 's possible get my money back and try to get a real modification, I have a new mortgage servicer which I never knew about I accidently going found out about then when I got insurance I 've tried contacting them with no luck because preferred law had it so I ca n't. I was trying to get a modification through XXXX XXXX and they denied me, note I 'm going to try state bridge but they will not return my calls it looks as if I 'm going to lose my home and I do n't even know if I 'm in foreclosure because I have no contact with them they 're not rerunning my calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed this bankruptcy before several times with XXXX & Experian and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but XXXX & Experian has fail to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On some of the charges the name and other information is inaccurate, while some charges are not possibly mine due to the time they occurred and the amount. In XXXX I had all of my personal information with my ID, Social security card and some other things stolen along with my moms purse. And XX/XX/XXXX I was mugged and they took my wallet which had my ID, passport and Debit cards in it. I want to enroll in a monitoring service because my credit score is frighteningly low due to accounts that were either fraudulently opened or mistakenly charged.

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 2015-04-24 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: NJ

Complaint narrative:
My 20 year credit history is great according to XXXX and XXXX, however Experian has no record of my existence. This is posing a problem because I 'm trying to secure a mortgage for a home for which the seller has accepted my offer. Nothing at all came back from Experian when my broker ran my credit report. I tried to receive my credit report from Experian 's website and phone services, but they say " We 're sorry, we could not fulfill your request at this time '', but gave a phone number and email to contact. 
I sent an email, several days ago and have heard nothing back except for an automatic confirmation that they received it. I also tried the phone number but I am not able to speak to a person without a credit report number. I was able to finally get ahold of a real person after calling their business customer service line ( getting yelled at for doing so ) and getting transferred several times. The customer service representative I finally got on the line was not able to access my account, and " escalated '' the issue to a group that " handles these issues '' through an email that only Experian employees have access to ( there is no way to call this group either ). He could n't give me an estimate of how long it would take, but said they would call me back soon. Based on my previous experience with Experian and email, I have no guarantee that I will ever hear back, and I do n't know what is considered a reasonable amount of time to wait for them to respond. 

So, I 'm getting a bit antsy as this is the last step to getting my dream home, the clock is ticking, and it seems I may not be able to secure a loan without resolving this glitch. I figured that filing a complaint here was a good step to take. 

I should note that my identity was stolen in XX/XX/XXXX and my social security number was used to purchase multiple vehicles. I reported it as soon as I found out, filed a police report, and thought I did a pretty good job clearing my name, although this was before the Fair Credit Reporting Act was passed and there were not the legal options for me to pursue ( I did consult a lawyer at that time ). I did not have a problem securing a mortgage in XX/XX/XXXX, refinancing several years later, or obtaining a credit card since then. So I 'm not sure the identity theft incident is related, but thought I should mention it. 

I can submit any supporting documents you need to help me resolve this. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed inaccurate information with XXXX since XXXX when I filed a counter lawsuit against them. The case was settled in XXXX. However, XXXX continues to intentionally report inaccurate information. The attorney representing XXXX is XXXX, ( letter attached ) and I have sent them XXXX dispute letters as well. The first dispute letter sent to XXXX once they took over the account from the previous debt collection attorney whom I litigated the case with was emailed and e-faxed on XXXX XXXX, XXXX. 
However, I have disputed this account to XXXX and all three credit reporting agencies since XXXX. XXXX sent me a partial response showing the information on my credit report is inaccurate date of last delinquency is inaccurat and according to the statements they sent me, there were no payments made in XXXX, XXXX or anytime after, yet they continue to report a payment in XXXX. 
The information is not the same as what XXXX verbally told me over the phone, which was they did not have a recorded payment received in XXXX. Per the FCRA the collector is required to report accurate information. I have now been denied a loan due to the inaccurate reporting by XXXX. 

AdditionallyXXXX XXXX has been reporting inaccurate information which I also disputed several times. XXXX did not follow CA law in order to collect a deficiency balance ; XXXX did not send me a notice about the location of the auction, did not allow me the opportunity to reinstate my loan as required before the creditor can collect a deficiency balance. XXXX only removes from XXXX credt report at a time only upon my dispute, they should report accurately to all credit reporting agencies, no just remove one at a time only when specifically disputed if they are removing from one credit report they should report accurately on all credit reports.

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: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I pulled my credit annual report and found false information being shared to credit card company. Nasty remarks like failed to pay promised loans I am not receiving any credit for continueing to paying my home mortgage ( XXXX XXXX XXXX ) and my home equity line of credit ( XXXX XXXX ) since XXXX XXXX. A few other no no 's have been deleted, but Experien is Remaining on the outcome to not report. it shows CO XXXX XXXX, which I have made my payment since day one of this bank buying my loan in XX/XX/XXXX to XX/XX/XXXX. Same with us bank. So none of the credit agencies are willing to do the right thing and report my payments being made, on time, every month, never late. XXXX got even nastier and took my fica score from XXXX to XXXX than XXXX within 2 weeks??? I am not giving up to get the correct credit reporting. I sent them proof of all my payments made, proof from both corporate banks showing i made the payments and these credit bureas are still refusing to show that. I can send documents if need be, but these are sensitive and last thing i need is more problems with my credit. If need be, i can send all that I have in, which is about XXXX pages. XXXX XXXX muddied up my credit report last year when I cancelled a refi loan in where they were asking enormous fees to do an appraisal. The paper trails says it all for itself. it 's not coincidental, I spoke with XXXX men XXXX and XXXX at the XXXX office, and they both had bad attitudes towards 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 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, Equifax, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Equifax since you told me to file separately against each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to Experian, XXXX, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The XXXX online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.

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 2015-08-27 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:
Information has been requested several times from Experian and they are only sending delay tactic and not actually investigating the request. Information was requested XXXX times already. Mailed request the following dates : XXXX/XXXX/2015, XXXX/XXXX/2015 and again XXXX/XXXX/2015. 

Proper documentation was submitted as per their guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report inaccurate information on my XXXX XXXX account XXXX. 1. This is a charged of account from XX/XX/2008 it should no longer be being reported. 2. I requested you verify the information, and Experian has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4. Experian is the only cra that is reporting this invalid account. Account has been removed from XXXX and XXXX. Experian needs to remove account from my report immediately or I will seek legal action. You can not continue to report an account that is past the statute of limitations to be reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is reporting information on my credit file that is clearly inaccurate and unverifiable and by law it has to be deleted. 

I am asking you to adhered to the law and removing these negative account. 

I have provided infallible 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 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 've disputed XXXX fraudulent accounts : XXXX XXXX XXXX ( account no : XXXX ) and XXXX XXXX XXXX ( XXXX ) with Experian, XXXX, and XXXX Credit Reporting Agencies. I submitted my Id, social security card, Police Report from XXXX Police Department and Identity Theft Victim 's Complaint and Affidavit in order to block and remove fraudulent accounts. The credit reporting agencies have deleted these XXXX accounts. Recently, I was doing my refinancing and discovered tha Experian Credit Reporting Agency reinsert XXXX XXXX XXXX and XXXX XXXX Services accounts back to my credit report. Please help me to resolve this problem.

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 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have disputed all inquiries on my credit report and Experian has failed to provide me within the time frame allowed ( 30 days per FCRA ) any updates on these inquiries that were not made by 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 non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian is not showing any credit history or score for me. I have been denied a mortgage twice in the last 6 months because of the missing information. XXXX and XXXX both show an extensive credit history and scores. I have spoke with my lenders and they are reporting to all XXXX bureaus. I believe this is against my rights as a consumer. Please help me resolve this issue. Sincerely -- 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 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Hello- I have previously disputed this item with Experian. We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Experian credit report. XXXX XXXX XXXX changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.

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