vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. XXXX will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from EXPERIAN! XXXX account needs to be PERMANENTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : XXXX, XXXX AND EXPERIAN!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I have been in contact with Experian over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with XXXX different supervisors and I have been told that this information would be mailed to me within XXXXXXXX business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.

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 2016-04-20 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: TX

Complaint narrative:
could not get reports

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 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX contacted XXXX to pay the remaining balance on my XXXX XXXX XXXX XXXX XXXX card when we refinanced our home. I did not receive ANY online or mailed statements for the next two months. I assumed that my account had been settled and paid in full. On XX/XX/XXXX I received an email and a robocall call notifying me that my payment was overdue. I immediately called XXXX, and the customer service representative told me that there were some interest charges from XX/XX/XXXX and XXXX late fees. I let her know that I did not receive ANY notification about the late charges and agreed to pay the remaining interest. She stated that XXXX could waive up to XXXX late fees. I assumed from our conversation that this issue was resolved. On XXXX XXXX I received another email and robocall claiming a payment was overdue. I called and asked for an account manager since a customer service agent did n't resolve the issue last time. The account XXXX claimed that I had requested " paperless statements, '' but I let him know that I did NOT request this, and the only notifications I did receive were emails and robocalls in XX/XX/XXXX and XXXX about my payment being overdue, NOT a billing statement. He agreed to waive the XXXX late fees ( listed as " REFUND LATE FEE '' and " COURTESY REFUND '' on copy of account summary statement for billing period XX/XX/XXXX-XX/XX/XXXX ), and I decided to close my account immediately due to XXXX 's failure to communicate properly with me about my outstanding balance and false claims about the type of notification I wanted to receive.

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 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please investigate the practices of Experian. They have manipulated my credit report and score. They are unresponsive and vague. My score has recently dropped XXXX points yet no one is able to give me a consistent answer as to what has happened. I have filed several disputes and they remain unresolved in addition I have cancelled my monitoring service. 2 days before the cancellation I was notified my score dropped XXXX points. I pay my credit card balances in full every month and I do not have any late payments that are undisputed. In addition, they are allowing a creditor to continue to " update '' information that is 15 years old. I have made XXXX calls and spoke with a manager " XXXX '' who all provided me with inconsistent and unverified information. I am exhausted with the run around, the responses I receive from Experian are. '' We do n't know '', " Probably '', " Contact the lender '', " It will take 30 days for a response '' I am in need of assistance from a governing agency above and beyond Experian and again I want a complete review into the very suspicious dramatic decline of my credit score upon cancellation of my subscription service. That is key information and I am willing to contact local media to investigate this company. In addition, it is my concern that this action is discriminatory. PLEASE contact me ASAP, I have been caught in this cycle for over a year and I have pending important matters that I need to take care of that involve my credit. Time is of the essence, I need to bring attention to and STOP this FRAUDULENT behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.

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 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/15 Experian received, per US Postal Service Cert. Mail, my request to investigate and then remove a number of outdated and incorrect items on my Experian credit report. To date XXXX/XXXX/15 the items still remain on my report as per their on line viewing of my report. I contacted them today and advised them as per FCRA and your bureau that those items must be removed because they did not act with in the 30 day time frame. I would ask that you act on my behalf to inforce the laws of financial protection and also include me in any legal action against Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have repreatedly tried to temporarily lift a security freeze on my Experian credit report online. Each time Experian refuses to permit this being done online since I have been placed in " Special Handling '' as retribution due to previous CFPB complaints. 

I enter my data precisely as listed in a recent Experian report, I enter the correct PIN previously provided by Experian ( which I have used before successfully prior to being placed in Special Handling ) as well as entered valid payment details, each time Experian refuses the request. 

Writing in to temporarily lift a security freeze is a major inconvenience as it prevents knowing precisely when the report is unfrozen and I can apply for credit. Since written requests are subject to mail delays and processing delays, it 's impossible to know exactly when the freeze is lifted and to then accurately calculate when it will again be re-frozen. 

Experian should not be allowed to take retribution against consumers who have filed CFPB complaints about 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 explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have on my credit names that I had never used attached with addresses I have never lived. One is my ex husbands address and has me listed as another name. I am asking for this to be removed. This was pulled up by a background prior to getting employment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct-XXXX, XXXX XXXX acct # XXXX and they have failed to do so.

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 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.

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

Complaint narrative:
Looked at a printed Experian copyPrevious employer " XXXX XXXX '' is listed under " XXXX XXXX XXXX '' looks like they are questioning ss # and address. needs to be fixed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ZARVAD III S.A.
State: TX

Complaint narrative:
I made a loan with MyPayDayLoan.com. Shortly after making the loan, I was not able to repay the scheduled payments. I have a tax lien filed against me, and my pay has has been garnished. In the process of trying to make a repayment plan through a debt counseling company, they refuse to work with them. Meanwhile they call me numerous times per day and at least one email each day trying to collect. I have attached two of their most recent emails for your review. One, I consider to be threatening as they claimed to have reported my bad check to Contribution, a service of SCAN??? I never sent them a check in any form. My complaint is ... They refuse to work with XXXX XXXX XXXX to receive payments. XXXX is not a debt settlement company. I made arrangements with XXXX to repay the entire amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to 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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
wrong employer on my credit report i am not employed with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly notified Experian credit reporting agency that XXXX XXXX XXXX with account number XXXX is currently reporting this account as a charge off for {$17000.00} in addition to the wrong open date for the account. This account was included in chapter XXXX bankruptcy and needs to be updated to show discharged in chapter XXXX bankruptcy. ( please see attached supporting documents ) I have also repeatedly notified Experian that Security Service federal credit Union with account number XXXX is currently reporting as a $ XXXX off in addition to the wrong opening date. This account was discharged in chapter XXXX bankruptcy. ( please see attached documents )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made several disputes with Experian regarding my credit report. Every time I attempt to dispute information about the following XXXX Account Numbers : XXXX and XXXX, Experian does n't allow me to dispute them. I have also requested status update on when the information will be removed from my credit report and Experian never provides an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
Interest was charged to my account during what I believed was a six month interest free offer through First Bank Card -- -First National Bank of Omaha . 

My first billing statement was issued XXXX XXXX, XXXX with the first payment due XXXX XXXX, XXXX. I paid off the entire balance on XXXX XXXX, XXXX. Later in XXXX I received a statement issued on XXXX XXXX, XXXX which had a balance of {$37.00}, the only charge being {$37.00} in interest. I contacted First Bank and was told that 0 % interest began the day I activated the account, XXXX XXXX, XXXX. I said I was under the impression that six months would mean six billing periods. They said, " six months is six months '' and that I had to pay the interest charge. I said I would pay in dispute so as not to impact my credit rating. 

I have researched other 0 % credit card offers and they typically refer to months and billing periods interchangeably in regard to their offers. I believe that the marketing of the offer by First Bank Card was deliberately vague and misleading. The fact that there was no interest charge on the XXXX XXXX, XXXX statement would indicate that six months is not six months since I activated the account on XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have too many inquiries on my credit report. I have not applied to any companies for credit. I have been a victim of identity fraud in the past and my bank cards have been hacked on multiple occasions. I noticed that XXXX of the options for improper use of a credit report is opting out from marketers. I 'm not sure if that is the case with me but I know I have not applied for any credit except car insurance. Please help me resolve this issue. 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 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, this is XXXX XXXX XXXX XXXX again and I am submitting this complaint against Experian over their frivolous attempt at an investigation at my expense. They are tarnishing my creditability and my good credit by allowing a false riddled account with incomplete and incorrect information to appear on my credit file under XXXX XXXX XXXX account # XXXX ... This account is under another persons name at my business address and it does not belong to me personally and it is affecting every aspect of my financial stability. 

I work for XXXX XXXX XXXX, in the XXXX XXXX offices and I will pursue strict litigation against Experian for false reporting and responding to my initial dispute through the CFPB portal with absolutely ZERO investigative results, evidence and facts! They have not responded to my complain AT ALL though this portal. They have submitted generic and cookie cutter responses to me through this portal that make absolutely no sense. Their has been ZERO validation or investigation with XXXX XXXX XXXX on my account and they have not even verified the addresses that are displayed on this inaccurate account versus the addressed that appear legally join my credit report. 

This account is inaccurate and illegally reporting to my credit report and the investigation I received was UNLAWFUL, INSUFFICIENT and a SHAM! I have no idea what investigation was conducted, there has been ZERO proof, ZERO documentation verified and provided and NO forwarding of my documents to they furnishers illegally reporting to my credit file. This violates FCRA law, this investigation was absolutely half assed and completely unacceptable. If this item is not removed within the next week I will be sending letters for Experian to cease and desist any and all activity upon my account under FCRA law and appear in court regarding this sham of an investigation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation