vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-21 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: CA

Complaint narrative:
On XXXX/XXXX/2016, I attempted to purchase my credit report from Experian. After several failed attempts, I made a call to their customer service line. I was told that because my " old account had expired ... I would have to create a new profile account to purchase the report '' I followed those directions and was again blocked by their system ... yet, they charged my XXXX XXXX XXXX XXXX for purchase price of the reports at an amount of {$19.00}. I again called customer service and got the response that " your account is expired '' ... but with a slightly different twist ... '' because my account has expired, my payment liked to an expired account ... but the system is unable to give me a credit report. '' Experian charged my credit card twice ... but is unable to produce a report for the charges. The Experian customer service rep said she would send a " ticket to have my charge refunded to my XXXX XXXX account ... in 2 - 3 business days. '' But, they could n't tell me how to get a credit report because while I used a different user name, at least according to their system, my info somehow continues to link to an older expired account which means I ca n't get a report. Experian is one of the major credit reporting agencies. I 'm stuck as a consumer when I need to check my credit report and I ca n't get a copy because their system is n't working properly. What should have taken me about 5 minutes has consumed the better part of an hour of my time. Your assistance with this would be greatly appreciated. I 've already gotten my free report for the year ... so that 's not an option. I just wanted to check my credit before making a change in credit cards ... this is quite frustrating.

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 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, my former acct # with XXXX is XXXX. I canceled my service end of XXXX of this year. I had XXXX XXXX. I was told I would receive a return box for the XXXX Wireless router. I never received it ... I called on XXXX separate occasions after that to receive a return box. Still never received anything and I then began getting collections calls. I was advised if I go to a XXXX store I can return it and would no longer owe anything. SO I did that, tracking number : XXXX I believe equipID is same as shipping ID which is XXXX ... Package was received on XXXX. I though I was in the clear. Now 3 months later I am receiving collection calls for this same reason. XXXX says to talk to them, they say to talk to XXXX. AND XXXX has reported late payments to my credit bureau effecting my credit score. I need this removed from my bureaus and the debt to be removed as I have satisfied any debt I had with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 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: MN

Complaint narrative:
I went to Experian 's site and clicked on free credit report. I did not know they would charge a {$1.00} then {$21.00} every month. Why would I pay {$21.00} every month when I can get it for free 3 times a year. I had never done this before. I called Experian and told them my story and they said, too bad. 
I have disputed the charges on my credit card. 
Experian 's tricks people into thinking they are getting the free credit report. They did n't list the {$21.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Identity Theft Affidavit Fraud!! APPLIED BANK XXXX .... 
{$980.00} as of XXXX/XXXX/XXXX XXXX Account charged off. {$980.00} written off. {$980.00} past due as of XXXX XXXX. 



XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Business Card Terms NA On record until XXXX XXXX Credit limit or original amount Not reported High balance $ XXXX Monthly payment {$0.00} Recent payment {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian 's credit report still has not updated the XXXX mortgages The first mortgaged address identification number is XXXX date open XXXX XXXX First reported XXXX XXXX type Mortgage Terms 26 years Monthly payment {$1000.00} Credit Limit or original amount {$130000.00} High Balance Recent Balance {$110000.00} of XXXX XXXX Resposibility Joint With XXXX XXXX XXXX Status Petition for Chapter XXXX Bankruptcy {$3200.00} past due as of XXXX XXXX This account is scheduled to continue on record until XXXX XXXX Comment Loan Modified Account History filed chapter XXXX bankruptcy on XXXX XXXX, XXXX. How ever this is wrong, We file Bankruptcy on XXXX XXXX not XXXX XXXX, XXXX, and further more we do not owe or behind {$3200.00} this is wrong. We were approved for a Modification from XXXX in XXXX XXXX and when we file XXXX XXXX, XXXX we had the modification taken away but because of the Chapter XXXX they stopped all communication with us. So we had no idea that the modification was taken away every time we would call the answer we got was we can not disgust this with you have your attorney call us. So we paid the modification for a year of {$800.00} and sometimes more when we had it but we had to catch all of that up because of poor communication. Also we do not owe {$110000.00} our balance is {$110000.00}. Please correct this and we did not file bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX now the second mortgaged with XXXX XXXX XXXX XXXX XXXX was strip we owe nothing to the second mortgaged and the recent balance is not {$18000.00}. We are not past due and we did not file chapter XXXX bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX. Please have Experian fix this. Experian has not removed XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Calim amount {$1900.00} Status civil claim judgment judgment in favor of XXXX XXXX bank XXXX this is satisfied needs to be removed or changed to judgement is satisfied. please have Experian fix this. and XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Claim amount {$1600.00} Status Civil claim judgment Judgment in favor of XXXX this item needs to be removed or change to this judgement was satisfied. Please have Experian fix my credit report. they have left all this negative stuff on my credit report and I am trying to get finance for a lower interest rate for Mortgaged. I can not get any where until they fix 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 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I believe that the timeline is officially over on the account in reference, and that the Consumer Financial Protection Bureau must be part of this process. I am also submitting a hard copy dispute to both the creditor and Experian. There is no other option at this time but a complete removal of the referenced account permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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:
For the last 4 month I have contacted XXXX different creditors asking them to send me proof that the accounts belongs to me and I am not getting anything from them. Also I have been filling request with Experian to verified the accuracy of this information and 4 times they keep telling that the information was verified with the creditors. These are not my accounts and no one is doing anything about this. Specially Experian is not doing anything about it. This is against the law, How can they verify something that is not mine with Experian but they are just ignoring my letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I received a copy of my updated Experian Credit Report. In that report Experian re-posted Inquires that in a previous credit report sent to me by Experian dated XXXX/XXXX/XXXX informed me that a numerous of inquires that I have been disputing since XX/XX/XXXXhave been deleted. The following are the items that were deleted and now reflecting back on my Experian Credit Report having an extreme negative impact on my credit report and credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX ALLY FINANCIAL XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Please Note : I am unable to attach the documents at this time but the documents can be supplied at your request via fax.

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 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XXXX XXXX, 2015 I contacted Experian to have the security freezes on my credit report account and on my wife 's credit report account temporarily lifted. I paid {$10.00} for each temporary lift. 

I arranged for the temporary lifts on my and my wife 's accounts because I was told by the Social Security Administration representatives with whom I spoke that the Social Security Administration uses Experian to verify the identities of people setting up accounts. 

It is now XXXX XXXX, 2015 and I have tried repeatedly to to set up the Social Security account online and not been able to do so. Each time I contact the Social Security Administration I am told that I can not set up the accounts because Experian has not lifted the credit freeze on my wife 's and my credit report accounts. 

It is impossible for me to contact Experian by phone to attempt to resolve this because Experian does not provide a telephone number for doing so. I want the money that I have paid, {$20.00} ( {$10.00} for myself and {$10.00} for my wife ) credited back to my credit card. Experian has not provided the service for which it has been paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
i recently i filled a complain this company that has been harrasing me for years know they responded that debt is valid and also said " XXXX XXXX XXXX has made many nuisance complaints over the years : which only shows what kind of company this is the fcra states that C. Consumer reporting agencies may not report outdated negative information. 
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old which this company is in clear violation of please see attachment please help me stop this company violation of my rights since my last complain # XXXX not only have they not removed there illegal reporting but also reported me again to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to complain about Discover, which has repeatedly used deceitful practices to attempt to collect payment on unpaid balances. 

I guess from their perspective they want money no matter how they can get it. 

Discover card has created another division ( Discover It ) which it uses to sell financial products to " lower end '' consumers. This division, I believe, has been specifically tasked with " accidentally '' engaging in payment fraud to cause trouble for their customers. 

On XXXX occasion, Discover scheduled a duplicate payment. Because Discover suspects the customers of their inferior Discover It products have less money, they do this to gauge which customers can be more easily taken advantage of. Since the amount of money is something that can be accessed from third party companies, it is reasonable to think this is no coincidence. 

I contacted Discover about a late payment. I let them know I have no income and no savings ; I simply can not pay. They re-enrolled me in autopay. I believe they have designed their online pay portal to intentionally mislead consumers into believing that they have disabled autopay, only to continue drawing money. 

If I ca n't pay, I ca n't pay. Discover has no right to show their customers fraudulent information and overdraw people who are already destitute just to get as much money as they can from high-risk borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with XXXX ( mailed ), XXXX ( mailed ), & Equifax ( online dispute & supporting documents were uploaded ) regarding XXXX , XXXX inaccurately reporting an OPEN collections account with a {$740.00} past due balance. The account should reflect " CLOSED, Paid collection, Zero dollar balance ''. Documentation included with my dispute : A copy of the carbon papers from my check book for XXXX checks totaling {$740.00} for the same account # they are reporting. I also included print out pages, for both checks, from my Bank Account Details page which verified the Original creditor XXXX ( XXXX XXXX Bank ) accepted Payment In Full when they cashed both checks totaling {$740.00}, for the same account number XXXX , XXXX is reporting as past due {$740.00}. 

As a result of my disputes, a comment was added to my credit file that I dispute the account but the account status was not corrected to reflect " CLOSED, Paid collection, Zero dollar balance ''. XXXX , XXXX is still falsely reporting an Open Collections account with a {$740.00} past due balance. XXXX, XXXX, & Equifax received the same aforementioned supporting documentation that I am uploading with this complaint along with a copy of my disputes with each Credit Reporting Agency. 

As a resolution, I am requesting either XXXX XXXX XXXX correctly report the account as " CLOSED, Paid collection, Zero dollar balance '' or DELETE the account. 

Note : XXXX XXXX XXXX Bank ( was Formerly known as " XXXX XXXX Bank - XXXX '' ) and currently reports as " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX has some how made their way on my credit report reporting false information stating that I owe {$400.00} from XX/XX/XXXX. The prior company was XXXX from XX/XX/XXXX in which I have sent a letter to, to prove and verify that this account is in deed mine and why they feel that it is mine. I gave them 30 days. No respond and no updates. The account was sold to XXXX in which they never have NEVER contacted me but instantly put this fraudly information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, We have had several aggressive lenders coming after our family over our past debt. They call me or call my family members asking for me. When we answer the phone, they start yelling, saying that " They are n't playing any games '', or say that they have pending lawsuits in my name and try and get my personal information from my relatives. They have sent letters to my home trying to bait me into making payments by offering discounts and payment plans. All of my major debt is over eight years old. The statute of limitations in my state, California, is four years. My credit report still shows my old debts and I am unable to move forward. I do n't know where else to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
False Credit Reporting -- -- Subject-Conflict of interest-banking Regulations. Short Sale of Home with Agreement from XXXX XXXX. 
I purchase a home in XXXX XXXX development in XX/XX/XXXX with the intent of selling my home in XXXX, SC. In XX/XX/XXXX, I had to stop the bleeding and made an agreement with the VP of XXXX XXXX to sell the house, pay off first mortgage, pay off XXXX of home equity loan to XXXX and sign a personal note for the remaining balance of {$100000.00}. Because of my income/debt ratio ( retire-income only IRA ), I could not get a jumbo loan with any banks in XX/XX/XXXX. The developer and seller of the home was a Board Member of XXXX XXXX and used his influence to obtain am appraisal and loan for me with XXXX. The mortgage was for {$750000.00}. The rate was 4.75 % and payments drafted from my Checking Account at the same XXXX XXXX. In XX/XX/XXXX, I was able to get a XXXX mortgage for XXXX and XXXX carried the home equity loan for {$290000.00} again at 4.75 % -- interest only. XXXX XXXX ( XXXX VP ) agreed to a short sale if I signed a personal note for the balance. I agreed to do this since he promised there would be no negative reporting to the credit unions. This is my problem. Each month, they report false information on my account such as 1. ) turned over to collections XXXX, 2. ) XXXX or late or missing payments, and 3. ) showing both the original loan and personal note for the balance is in default ; even though they auto drafting from my checking account at their bank each month since XX/XX/XXXX. Their reporting has prevented me from obtaining any refinancing on my home or financing for a new home. This has caused me substantial financial harm. The CEO verbally agreed to correct the reporting ; but did not do it or explain why ; and now he refuses to talk to me. I assume it may be because of a potential conflict of interest by a the Board member- a local developer that sold me the house and obtained the loan. Without a request from me, XXXX decided to write off {$10000.00} so the personal note would be just below {$100000.00}. Closing cost increased the amount to {$100000.00}. He did this instead of lowering the interest rate on the personal note that I had requested. I can not understand any other reason for their actions if not a conflict of interest-banking regulations, etc. I did not try to just walk away from the property in another state when that was the common thing people were doing then. I am trying to prevent filing for Chapter XXXX which is what their action may cause ; and they would be the last in line to pay -- maybe with all the interest earned maybe nothing. I do n't understand why they have taken this position. This is my reason for filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I gave up my XXXX and became a XXXX of the XXXX XXXX, I am now in the process of becoming a XXXX XXXX now. I tried to get my credit report but I am unable to answers the questions that it say I have a mortgage, a credit card from XX/XX/XXXX, a new car that was purchased in XX/XX/XXXX in my name. The questions ask me for the monthly payments on the house mortgage, and car loan. I ca n't answer a question I have no knowledge of.

Company response to consumer: Closed with explanation