vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
XXXX/XXXX/2015 @ XXXX my cell phone rang from incoming call ID XXXX. So, I placed it on speaker thinking is was a telemarketing company. The man asked me by my full name, full DOB ( with year ). He said his full company OF William and Fudge regarding an XXXX matter and anything said would be using those purposes, and that the call was recorded ( not exact words but close to it ). 

I explained the debt is not valid not to call me back contact me again. Also, I sent a XXXX XXXX using tracking # XXXX XXXX XXXX asking 1 ). Verification of any debt related to my so called account 2 ). The nam and address of the original creditor and current creditor 3 ). Forms to assist disputing accuracy of such items. Also, I wrote they compromised my ID data by sharing it without first validating the person he was speaking to before sharing DOB and his agency name. 

Then, on XXXX/XXXX/2015 the same agency called my same cell phone number using a totally different incoming number of XXXX at XXXX. There is a clear violation of the law here. Clearly, the agency was attempted to work around my call blocking of the original number and perhaps hoped in 90 days the number dropped off my cell phone log as must drop off in 90 days. I am requesting CFPB fine them in the amount for the violations of the law. I have XXXX phone records and copies for proof. 

Also, they failed validate their claimed debt. I shared I dropped with XXXX XXXX AND instructor XXXX XXXX if it was related that a dropped class. Also, I provided the school an obituary, and I agree to pay payment plan. The University has a past practise of working with students that had an immediate family member pass. I had other reasons to drop, but they are no about this matter. 

The University contacted me stating they are investigating too. For any balance due, I already have agreed with XXXX to pay them for prorating dates without any upcharges, and they agreed after I am employed. Also, XXXXXXXXXXXX is not accepting payments after I agreed to a payment plan for money not owed once employed. Now, I am advised by legal professionals the debt is clearly not valid given all the documented facts and record that go back two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I disputed the accuracy of my XXXX XXXX account with Experian. They were incorrectly reporting the balance, payment history, status of the account and comments. Today they updated the information and it is even more incorrect than it was when I first disputed the account. They have also added a statement to the account which is reporting as my statement! I DID NOT authorize or request a statement be added to that account. The statement reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. Now they are not only reporting INCORRECT information but also they have added a statement which they are leading people to believe I made or requested and no such request for a statement to be added to that account was made!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Please forward this to Experian for me. If you refuse to remove false and outdated information from my report. I am requesting a full report on investigation process. Who was contacted/phone numbers/and all information that was used to make this conclusion. They Must Prove that the information on my report is in fact correct.. Beyond any doubt. If they can not prove this..It must be removed! I want all records of how they went about verifying this information. Then I will proceed with any legal actions I have available to me. I 'll be waiting this full report. I am available for them to contact at any time they wish.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have done a response but got nothing back now they blocked me from my account then I did a security freeze sent information they required then they wrote me back saying they would not accept the information I sent them but it was the information they requested I call the man dealing with my case file and he never calls me back ignores my phone messages Then when they blocked all calls letters all calls go to there security party about my account and now they refuse to give me anything on my report all because I would not take threats and bad language from there customer service, and no XXXX discrimination.

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 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 've had my past rental history checked by large and small rental services and I 'm told that I have evictions on my record. I 've never been evicted. It appears that because I was late with my rent some years ago in XXXX ... I was put on an eviction list ... or something to that affect. But, I was never evicted or even close to it ... I never even got a full month behind. But for some reason I show up as having had evictions. The credit reporting agencies for rental info is reporting incorrect/incomplete information. This has caused me to remain stuck in a less than desired apartment for fear of being rejected for rental again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing {$1200.00}. I never owed that much on the card. This is inaccurate all around!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Just would like to know why after paying bills on time for over 30 years and worked hard all my life to achieve a perfect credit score it seems this objective is impossible to reach? My credit score is very good but is it even possible to achieve a perfect score?

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 — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
my name IS INCORECT

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 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft and i 'm trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were discrepancies on my balance at my dentist office, for instance charges for services I did n't receive. XXXX of the owners, the dentist 's husband actually said he would review it. He called and left a voicemail on my phone on XXXX of 2014 stating that he was going to clear my balance. This year I received a call from the same office stating I had a balance! I then returned the call with no answer and explained the misunderstanding and to call if there were any further questions. Now there is a collection placed on my credit for that same amount. I still have the voicemail ... Thank goodness for technology! I am currently in the process of buying a house, this would prevent me from doing just that. How can I go about getting this removed?

Company public response: Company 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: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello- Experian has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of XXXX and the names and contact information be provided to me if Experian chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Experian in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX- XXXX, Not owed 2. XXXX- XXXX, Paid directly to provider, proof of payment provided We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Experian. 

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 2016-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ascension Point Recovery Services, LLC
State: IL

Complaint narrative:
My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were XXXX at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for XXXX and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward dental work to be done. The manager at that time, stated that they can have XXXX increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the XXXX visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from XXXX XXXX, and AscensionPoint Recovery Services, LLC regarding the balance of {$800.00} for XXXX. The card arrived, but was never activated by my now XXXX husband. According to when I informed XXXX XXXX nd AscensionPoint of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is AscensionPoint, XXXX XXXX, XXXX in which now they are sending bill in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I had XXXX collections show up on my experian report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent Experian a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from experian yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has XXXX sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that XXXX got my validation letter. A copy of that validation letter. A copy of the letter that was sent to experian and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 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: MD

Complaint narrative:
I requested my report from Experian using XXXX. They requested verification of identity. I was surprised since I had provided proof of identity when I last request an annual report from Experian in 2013, and my address has n't changed since. Nevertheless, I printed the request form and attached copies of my driver 's license and a recent bank statement with my address. 3 weeks later I have received a letter stating that Experian is unable to honor my request because the information I provided was either insufficient or illegible. Experian provides no way of disputing that assessment or providing further information - only of purchasing their products. I believe that Experian is deliberately and systematically raising barriers for people wishing to obtain free credit reports in order to promote their paid products by making them comparatively hassle-free. Dealing with Experian is dramatically more frustrating than either XXXX or XXXX. I believe the CFPB should crack down on Experian 's abuses to protect all the consumers that give in rather than deal with all the aggravation. 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 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft and I have received a fraud alert in regards to the unauthorized and fraudulent credit inquiries listed on my Experian credit report. The following credit inquiries are unauthorized and fraudulent : 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 Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX Company 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
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following personal information is incorrect on my credit report. 

Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : 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 Attached is a copy of my DL, SS Card and utility bill so you can see its wrong.

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 2016-10-12 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 just got my credit report and EXPERIAN have this Fraud information : XXXX XXXX XXXX, XXXX XXXX {$52.00}. I called XXXX and XXXX XXXX XXXX and both of them said That they did n't sent any report under my name to experian. I was calling experian so many times and they dont answer, just a machine. I requeste to remove this information from my credit report because I 'm in the process to buy a house and this information is afection my credit.

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 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.

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 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted, wrong personal information that I have disputed and Experian has send notices that they will not delete.

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 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The State of Alabama incorrectly filed a XX/XX/XXXX lien against us in XXXX County, Alabama. After determining that our appeal was justified, they rescinded the lien back to its effective date of XXXX. Both XXXX and XXXX have repeatedly refused to acknowledge the lien as rescinded and have filed the lien as " Paid, Released. '' They plan to continue the documentation on our file until XX/XX/XXXX. This erroneous designation is negatively affecting our credit report, our credit score and our ability to secure a home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My current BK on my record has the length of time on my CB.

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 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a chapter XXXX Bankruptcy on my credit bureau that does not belong to me. I have disputed the incorrect information several times and each time the credit bureau responds that it is verified. How can they verify something that is not correct? Apparently the law does not state how they are allowed to verify a bankruptcy and because the court does not verify they can use any 3rd party service they want to so called verify it. This is according to the credit bureau themselves, so not that they care its wrong as long as they verify it from some hack third party verification service that has it wrong. This misinformation has haunted my credit bureau for almost 7 years and I cant believe that a credit bureau has this much power and makes it so hard to get incorrect information off a report. The law needs to change and bureaus held accountable.

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 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are XXXX judgements on my report that is not mine. They are on the Experian credit report and they are in name only without my social security number. These judgements are not mine and belong to another XXXX XXXX. My name is spelled XXXX XXXX, they do not even have the correct spelling. I have contacted a lawyer and he explained what they are doing which goes against the protection of consumers. I have attached the XXXX files.

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