vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
According to my latest credit report, FREEDOM Mortgage has reported payments missing on mortgage account ( XXXX ) Credit report shows delinquent 30-59 days, 60 days and 90 days FREEDOM Mortgage reported delinquencies have resulted in a dramatic drop in credit scores. I find these delinquencies appalling and outrageous. Due to the numerous setbacks/delays and FREEDOM Mortgage authorization to miss two payments during closing on refinancing application, XX/XX/2016 Freedom Mortgage informed me that they could not proceed with closing until account had been brought up to date. I had been led that I was authorized to at least two payments, while preparing to close on refinance application. During this process their had been numerous setback/delays, with no explanation. Due to FREEDOM Mortgage 's unwillingness to process refinance application in timely manner, having been given the run around, having been deceived on several occasions and Title company continuous delays in approving subordination, I had been forced to enroll into the repayment plan for six months. I was in compliance with they terms and conditions. I even sent documents to support authorization to miss mortgage payments. Instead of FREEDOM Mortgage admitting that they may have been wrong and proceed to reassess the situation has proceeded to report negative comments on credit report which has resulted in a dramatic decrease in score.

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 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Complaint is with Experian. 
Their response to my first complaint was : items XXXX & XXXX are not on report. 
What kind of answer is that??? 
The report under my name " WITH THEM '' is showing negative items :1 XXXX XXXX {$250.00} ) XXXX {$660.00}. Both items already removed from XXXX and XXXX because it was proven to be incorrect and removed. 
3 ) XXXX XXXX ( judgement ), that had to do with a litigation that I won against them in XXXX XXXX, California. " So, WHY '' is it still on their report??? 
4 ) XXXX XXXX5 ) XXXX XXXX6 ) XXXX, Also " ALL XXXX REMOVED '' from XXXX and XXXX because of proven " Not Appropriate ". 
So why have n't THEY removed them yet??? 
A response to this claim needs to be Proffessional and ethical!!! 
If they say " items x x not on report '' then they should prove it!!! 
Show me " MY REPORT '' where these items suposedly not on report. Because that 's not what I 'm reading from my report!!! 
These XXXX items SHOULD NOT BE on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 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:
I have mailed in my information to the bureaus advising I am not disputing the information on my credit report however, I still have accounts showing they are in dispute and they should not be.

Company public response: Company 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 — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to obtain credit from XXXX. They informed me that my correct and current phone # is reflecting on my credit report. Since I have a fraud alert I was unable to obtain credit and had a hard inquire effecting my credit score. I have contacting the Experian on numerous occasions since XXXX 2016 informing them of the situation and they assured me that this issue will be resolved and my correct personal information will reflect on my credit report. This has not take place!

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 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A collection account with XXXX XXXX XXXX XXXX, account number XXXX was previously deleted from my credit report now and readded. They are reporting an open date of XX/XX/2014 which is not true and a balance of {$70.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19 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: CO

Complaint narrative:
I filled out all of the information on-line and then there was no report. Is it supposed to be emailed? It just was n't there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that XXXX was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As it is. Im not sure how the Identity theft gained access to my credit report and personal information such as my personal accounts ssn, dob, and etc. Experian refuse to investigate the nature of this issue properly. Experian only sends my personal information to the orginal creditors, debt collection and etc to verify those items. Experian do not issue an accurate investigation. Im Irate! Please Help get this matter resolved soon. 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 explanation
Consumer complaint received 2016-08-26 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:
Most of the the securely question about my last credit history cant not be answered bc I have nevered applied or had a home mortgage in my life. And to answer how much is my mortgage a month I do n't know the answer bc I never had or applied for a mortgage in my life. I was looking through my Experian credit report on my phone a min ago and before the site crashed Ive seen XXXX CREDITED CHECK 5 TIMES ON XXXX. Half of this must be fraud bc the only time I step foot in a XXXX store was a few weeks ago just to browsed. please I have to this issue resolved bc this is fraud.

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 2015-07-21 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: MI

Complaint narrative:
am unable to " validate '' to get both my XXXX and EXPERIAN credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ), student loans and auto loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that XXXX and Experian have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! I am a homeowner and have lived at my current address since XXXX 2012 ; I suspect Experian is somehow not using the right address information. 
I have XXXX auto loan ( with XXXX XXXX XXXX in XXXX, MI ) and my mortgage is with XXXX XXXX XXXX in XXXX. I do NOT have student loans or any other mortgages or auto loans.

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 — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a debt on my credit report with XXXX Mortgage, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX Mortgage last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 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:
To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Experian credit report investigation is being requested at this time. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 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: PA

Complaint narrative:
Hi i had just recently turned XXXX XX/XX/XXXX and wanted to begin building my credit by starting a contract plan with XXXX. They denied me and sent me a letter informing me of my credit score : XXXX. I am not sure why is it XXXX because I have no payment history, never gotten any loans out or anything. I attempting to receive my annual free credit report from the XXXX credit agencies, annualcreditreport, creditkarma etc. In the third step of identity confirmation I am asked security question as to which credit agency or bank I got my supposed home, auto and school loan from XX/XX/XXXX. XX/XX/XXXX I was only XXXX years old and it is impossible that I have any loans, which then denies me access to my credit report ; it says they are " unable to retreive my report at this time ''. I have taken hours calling each agency bureau, the annualcreditreport, my bank XXXX and the consumer protection bureau. All of them have given me little to no insight. I had no other choice but to turn on a fraud alert on my credit report to be proactive if it is the case of an identity theft crisis and someone got loans in my name XX/XX/XXXX. Still no one can help me see my credit report that I have never gotten to see myself and no help from Experian to talk to a representative, its all an automated machine that had no option for assistance. I am left with my last hope of figuring out my credit status so I can fix it if needed or just understand how my score came to be, by filing a complaint to get a response and further guidance.

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 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX is reporting a collection account from XXXX on My XXXX, XXXX, and Experian credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.

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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Address : XXXX, PR XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 


XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX Please check out account name, number, type, terms and payment amount I do n't think it 's 100 % correct. Please remove this account for violating the Fair Credit Reporting Act. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX Under the FCRA, I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors.

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 2016-04-14 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: CA

Complaint narrative:
I have tried 3 times in 6 months to get my free annual Experian credit report on line and by phone. On line does not do anything and no one answers the phone.

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 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I noticed XXXX wrong addresses on a free credit report from Experian. My addresses are correct on reports from other credit-reporting companies, so this is an Experian error. I tried to remove the incorrect addresses online and was told I could not correct the report online -- I would have call Experian between XXXX. When I called Experian, I was told to go back to the web site and file a dispute on my credit report. I tried to use the dispute process online, but when I attempted to upload a document explaining the error on the report, as instructed on the Experian dispute site, the site would not allow me to upload any documents. The mail-in process requires me to send a copy of a government ID, a utility bill and a copy of my social security card -- a slow, time-consuming process that is not secure, and will be a hardship for me to complete. I would like Experian to allow me to make corrections online and/or over the phone, and to fix their web site so consumers can upload documents in the dispute process.

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 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
During the 2009 - tax year - The Internal Revenue Service file a lien - However the filling of the lien was an error by the IRS officer - to make matters worse the IRS office let our case pending without proper resolution - The IRS office left the IRS for different position Now I have record of lien being filed for the last 5 years without being moved from my credit report - First : We did paid our taxes on time Second : Since the lien was filled it was never removed from our credit report it has affected my personal credit for that last 6 years - I have contacted the credit agencies with no luck - I would like this negative credit reporting to be removed from our record

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 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a names listed on my credit report stating I have used. I have never used the names XXXX XXXX or XXXX XXXX XXXX. I have only used my own legal name and I would like to find out where, when and who these names were used for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By XXXX I filed a dispute with Experian CB regarding different closed accounts that has more than 7 years on my credit report and now are consolidated in XXXX account. I requested immediate removal from my credit report. On XXXX XXXX, 2016 Experian sent me an update with the accounts still under investigation and with a note stating they will resolved it by XXXX XXXX, 2016, as today is XXXX XXXX, 2016 more than 30 days later and I have n't been notified of the results. and there is no dispute note on my report for those accounts. By not replying in a timely manner to my initial request violated federal law. 
Accounts : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX I appreciate your help on this matter, Failure to comply with federal regulations by credit report agencies are investigated by the federal trade commission ( see 15 USC 41, et seq. ) Attached is a copy of the only respond by them back on XXXX XXXX XXXX also My ID for 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 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law? I have disputed several times and I do not get a response back. Please assist me in this. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX XXXX # 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