vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
HI, my land lord was doing a credit report check when he found out that i dont have a credit history, But i have been using my credit card for the last 11 months.and i have been getting free XXXX credit score for the past 6 months .So how long before Trans unioun reports my credit score in the system. 
regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: OR

Complaint narrative:
I applied to the XXXX XXXX XXXX credit card and was denied based on information was obtained from Experian credit reporting agency. 
I tried to obtain a copy of my report and was denied, I tried to talk to a live person, but Experian do not have that as an option. 
I have the right to know what information on my report, and Experian has the obligation to give that information. 
If Experian do not have a live person to respond to customer concerns, they should not be in position of being a credit reporting agency. 
it is like getting one side of the story. 
denial letter reference number XXXX, XXXX2015www.experian.compo.XXXX, XXXX, TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after 2 CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 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: MA

Complaint narrative:
Experian would not give me a credit report unless I signed up for their XXXX service. I offered to pay for report but did not want service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I disputed an item on my experian credit because XXXX informed me that, based on my agreed terms with them, ones my collection account is XXXX on that day, XXXX, XXXX of the supervisors will inform credit bureaus to delete the collection. XXXX XXXX account was deleted from my account on XXXX, the XXXX. I logged in my experian membership account on XXXX2015 and found the account deleted completely. Some staff at experian put the account back on as paid, and closed on XXXX XXXX. I disputed the information as inaccurate with supporting documents from the merchant, requesting experian to delete the collection account. Experian staff threatened to block me from accessing my account if i kept calling them, Since then i could not access experian account or dispute any information on my report. I am currently denied my basic right to dispute a wrong information on my credit.I am only allowed to dispute over the phone. I am including a copy from the merchant authorizing account to be deleted and confirmed that they did contact the XXXX bureaus and was deleted. I did provide this documents to experian through online and fax.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14 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:
I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 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:
XXXX. 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Experian. THIS WAS A IDENTITY THEFT CASE. PLEASE REMOVE THE COLLECTION FROM MY 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 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The first one is with an alarm company that my husband included in his bankruptcy. So now the put it on my credit as a delinquent account. The other one is with a mortgage company, I paid the account in full XX/XX/XXXX and is till open in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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:
Hi my name is XXXX XXXX XXXX, I am having communication problems with Experian Credit Bureau, they are failing to get back to me and my written disputes and remove XXXX collection accounts from my credit. I have XXXX accounts that appear from the same company and I have reached out to them as well. 
Experian is the only bureau reporting the information. I also have brought to their attention they have wrong names on my credit as well as addresses and employment information. It has been 3 months and the information or the accounts have not been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 2016-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I never lived at XXXX wi XXXX address id number XXXX geographical code XXXX. Experian keeps says creditors report that I did. I ask them to remove it and they dont. They also have XXXX different names on my report which they wont remove. I am XXXX XXXX XXXX not the other XXXX they have on the report. I am a consumer statement of this and they remove it. I also dispute the accounts that are listed as negative detriments and they say they are valid. All of them were included in a Bankrupcty over three years ago. They refuse to remove them.

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 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found a " collections '' status on my credit report for a medical bill. I received XXXX bills from the physician 's office and paid via check on the XXXX bill. The check was not cashed but I received no further communication from the physician 's office. I contacted the Collections Company and told them that I had not received a letter or phone call from the company. Upon further investigation, I did not receive a letter but I did have XXXX missed calls from their unknown number ( no voicemail ). I do not feel that this is sufficient contact and I believe that they should have sent a letter if unable to contact via phone. I had extraordinary credit, no late payments, prior to this incident and I paid the outstanding balance immediately on the phone with the collections agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it XXXX concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX, I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for 15 years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXXXXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same first name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
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 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
this not my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a XXXX. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate XXXX. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by XXXX %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I filed for Bankruptcy Protection and the bank still foreclosed on my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I continue to review my credit report for errors and the same errors that I have disputed are still present. When I try to file a dispute with Experian it will not allow me to do so and an request that I cancel my dispute. XXXX and XXXX XXXX have prematurely added late notices to my reports even after being paid and before I ever became XXXX or XXXX days late. XXXX was paid on XX/XX/2016 via XXXX bill pay but refuses to accept my payment. They claim that the they have an internal rule in which they do not accept payments from customers who have had more than XXXX return payments. This rule was never presented to me during the signing of my loan agreement nor did I sign anything to agree to this. XXXX is at fault for not applying my payment correctly. On XXXX separate occasions I requested to be placed on automatic bill pay through a monthly withdrawal from my bank account. I submitted the paperwork to XXXX twice and even confirmed with a female associate who confirmed they had my paperwork. I reviewed my account and observed that I sent payment by accident through my bill pay which I stopped because XXXX was to draft my payment from my account on the XX/XX/XXXX day of the month. Instead of drafting my account the market me as 30 days past due for the month of XX/XX/XXXX even before my payment was due on the XX/XX/XXXX. When I called them they stated that they will no longer accept payment from me unless it was in the form of certified funds. When I asked what happen to my automatic draft they claim that they never received it even after they confirmed they got it. Similar to XXXX XXXX they are claiming that they have an internal policy where they refuse to accept payment which again was not agreed upon in my loan terms or was brought to my attention when I opened the loan. These late notices should not be on my credit report and were done so maliciously by these pay-day lenders. Also I disputed my XXXX account who has reported me late in error. The balance is incorrect on my XXXX account and my payment history is incorrect. I was on a payment protection plan due to a job loss that reduced my payments. Apparently my bank account information was entered incorrectly which caused my payment to be returned and because I was in error added to the do not call list I was not notified until several days later, via XXXX mail after the XXXX mark. XXXX agreed to remove the XXXX day late mark if I filed a dispute but Experian has failed to investigate this properly. I have attached the response from Experian and how they prevent me from filing an additional dispute to remove these 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 explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a 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 account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section XXXX XXXX XXXX ) ( a ) of the FCRA- they are required to promptly delete all information that 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 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was offered a letter from XXXX XXXX to pay my account for the amount t of {$350.00}. I advised the customer service representative if I go to XXXX XXXX I can make my final payment for the amount offered to pay in full, I would be in good standing and would not owe on my account. I have always made my payments to XXXX XXXX. The customer service rep states that would not be a problem my account would be in good standings with a XXXX balance. I also advised I had a death in the family and got sidetrack due to planning the arrangements. I paid the payment, and ask the customer service Representative if she could waive the late payment as a courtesy the rep said she would and I was at a XXXX balance. I also let the customer service rep know that I would be moving out of county and that is why I wanted to pay my account off in full, so I would not have to worry about any bills due. Fast forward a XXXX years I have a report from XXXX XXXX I owe them more the {$700.00}. I called them regarding this matter and they would always advised me they could not assist me since the account was sold off and would have to contact the creditor that purchased my account. I called each creditor and was given the run around stating they could assist me since the account was sold to another company. I submitted several documentation stating that I paid my bill and submitted proof of payment from my checking account and also submitted documents from XXXX XXXX I had a XXXX balance the late fee should have been processed and taking care of by the customer service rep. I tired to do the correct steps to issue this off my credit report. Can you please update my credit report since I do n't owe any balance to XXXX XXXX or any other creditor. Can someone please call be back with an update of my case when this is removed off my credit report. I also submitted more info to the creditor with the documents that can support this claim and complaint. I do have the documentation to submit to you, but my system does not allow me to attach the sheets. Can I please forward them to you using email? 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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:
Describe what happened so we can understand the issue ... 
I have several inquiries on my credit report from 2014 through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on.

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