vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-02 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: ERC
State: PA

Complaint narrative:
I had contacted the debt collector on numerous occations and direct disputed it stating that a debt for XXXX was not mine. They were very rude the first 3 times. The last time I contacted them I had XXXX on a recorded line so they could verify that I was not the person they were trying to collect the debt on. I had asked them to get this debt off my credit report because it is not mine and it still is showing up and I am very upset that my credit score is hurting because of debt that is not mine. I want to know why it even showed up on mine. Do they not check SSN or Birth dates. Me and the other girl have similar names but not same birth dates. I am very upset and I would like an apology for the way I was treated by the company. I told them that and I got no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Failure to disclose investments. related cases are XXXX, XXXX, XXXX. " I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX. Citizens Bank ( formerly XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in 1979 and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of 1979 at XXXX XXXX XXXX in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX XXXX XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: CA

Complaint narrative:
I contacted XXXX T by email on XX/XX/XXXX, regarding a {$61.00} debt a company called ERC stated was assigned to them from XXXX XXXX XXXX. I received a response on the same day from a representative stating she would reach out to me. I went back and forth on email with this representative for a week and was transferred via email to a different representative who stated the account was located on XX/XX/XXXX. I was not familiar with the account number the second representative provided and it did not match the account number ERC was reporting to XXXX. I was told it could take up to four weeks before I receive the bills since they were in the archived system. On XX/XX/2016, I contacted the XXXX XXXX XXXX representative by email stating I had not received anything about this {$61.00} collection. On XX/XX/XXXX, I was told that the archived image would be online in their billing system in the next three days and I would be sent XXXX invoices, which I can only assume totals {$61.00}, the following week. It is now the evening of XX/XX/2016, and I have not received anything from a national company that is willing to put a collection for {$61.00} on my XXXX report. If they were able to see there was a bill or bills on XX/XX/XXXX, then it makes no sense it 's at a month and a half later and I have n't received any verification of this debt. I could n't know if this is my debt or not while it is continued to be reported on my credit report and there is not any notation from the collection company on my credit report stating that this account is disputed. I completely do n't feel like I 'm dealing with a large company, because their response seems to constantly be to delay me having any type of verification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX Not 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 2016-01-06 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: ERC
State: TN

Complaint narrative:
I received a letter from this company demanding payment for a debt that is not mine. This is the XXXX debt collector that has sent me a demand for payment concerning this alleged account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: MO

Complaint narrative:
I discovered I had XXXX bills on my credit report. Suspiciously, both for exactly the same amount, XXXX. The company listed was E.R.C., so of course that meant nothing to me. Through diligent efforts, I found the bill was from sprint, which I had no bill sent to me, since the final bill about 5 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter XX/XX/XXXX ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. 

According to FCRA 15 U.S. Code XX/XX/XXXXi sub-paragraph ( a ) ( 7 ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA 15 U.S. Code XX/XX/XXXXn Sub-paragraph ( a ) 1 ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOT MINE, DID NOT GIVE ANYONE WITH THIS NAME PERMISSION TO INQUIRE ON ME!!! 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXBusiness NameXXXX XXXX XXXXInquiry DateXXXX/XXXX/2015Business TypeFinance Companies- non specific

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Someone from XXXX used my information to open an account with XXXX. The dispute was resolved but now an incorrect address from XXXX is on my profile. I have never lived in XXXX. I need it removed.

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 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2015, I filed a complaint with the CFPB regarding the following re-submission ( please see copy of cfpb complaint ). 
XXXX card member services was attempting to collect a credit card debt from me for the XXXX XXXX XXXX, XXXX credit card that also had my name, XXXX XXXX listed on it. I attempted to resolve this with XXXX XX/XX/2015 to no avail, by the following methods : 1 ) Telephone requests to provide proof that I, XXXX XXXX, was personally liable for this XXXX account. 
2 ) Written request for copy of personal liability for business account-by certified letter dated XX/XX/2015 ( see copy being mailed ). 
XXXX responded with a letter dated, XX/XX/2015 claiming that I was the responsible party for the account according " to their records '' ( see copy being mailed ). 
.On XX/XX/2015 XXXX sent me a letter stating : " Action Needed : Make a payment right away to prevent your account from charge off '' ( see copy being mailed ). 
I filed an online complaint with the cfpb regarding XXXX on XX/XX/2015 ( see copy being mailed ). 
On or about XX/XX/2015, a collection company called me personally about collecting the XXXX XXXX XXXX XXXX XXXX credit card debt, at which time I told then that I had just filed a dispute with the XXXX Consumer Financial Protection Bureau. The collection agent said that they would then send this back to XXXX. 
XXXX then discharged the debt, and sent me a XXXX in the amount of {$8400.00} on XX/XX/2015. 
While the above information was being sought by me, and before the demand letter from XXXX was issued to me on XX/XX/2015, ( see enclosed ) XXXX must have issued derogatory information regarding me personally to the credit bureaus because on XX/XX/2015, XXXX reduced my credit line on my actual personal credit card account, which negatively impacted my FICO score. 
My personal XXXX credit card issuer then followed suit and reduced my credit line impacting my FICO score even further. 
This discharge of the debt has caused my personal FICO score to drop even further and it is my belief that it has caused me to be denied for auto loans, and for an SBA loan for Disaster Relief due to Hurricane XXXX. 
I would like the following relief : 1 ) Remove the charge off from my credit report. 
2 ) Compensate me for the {$8400.00} that was issued on the XXXX XXXX ) Raise my credit limit on my personal XXXX card to it 's former status. 
4 ) Provide me with a loan in the amount and interest rate ( 1.9 % ) that the SBA denied me, due to XXXX 's wanton and malicious maligning of 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 explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had an old collections account with XXXX that I paid on XXXX XXXX, 2016. They sent a letter to the XXXX credit bureaus on XXXX, XXXX, 2016 stating the account was paid and changed the status to Paid Charge-Off. However they reported the same account on XXXX/XXXX/16 to XXXX and XXXX as a failure to pay. They are sent another letter on XXXX/XXXX/2016 to the credit bureaus stating the same as the XXXX/XXXX/16 letter but in neither do they reference the actual payoff date. I want them investigated for fraudently reporting data to the credit companies when the debt is paid off.

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: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Disputed account is well beyond the 7 year statute of limitation from first default and being on a credit report and still remains on 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 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received my experian credit report today XXXX/XXXX/16 ... .The report is dated XXXX/XXXX/2016. My express account is still showing as accounts that are potentially negative. I immediately contacted experian to dispute this because I have supplied them with a letter staing that this account should be reporting as accounts in good standing. I spoke with the rep and was told the express account was updated on XXXX/XXXX/2016 and showing as accounts in good standing. However the report I received today shows different. I requested a new and corrected report be mailed to me and was told I have to wait till it 's updated. I am very confused as I was told the report updated on XXXX XXXX 2016 and the report I received today is date XXXX XXXX 2016 so this account should have be updated and moved to satisfactory already. I went online and it shows accounts in good standing. But I am concerned because if I apply for credit and my report is pulled it is going to show incorrect information. I was unable to receive another report. I want to see it in writing that this account is reporting as accounts that are in good standing.

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 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My husband and I were going through the motions to refinance. We got our credit pulled and mine dropped from high XXXX 's to mid XXXX 's. I 've done nothing different so we looked into it deeper. There is a collection on my report from a company I have named XXXX. I called them and they told me there is an account from XXXX XXXX opened in my name back in 2014. I have never had a century link account so that obviously is not me. I asked them to validate the debt and they ca n't for reasons that did n't make sense. I sent their identity theft department and email and have heard nothing back. I need help to validate this debt and restore my credit to it 's proper place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-21 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:
Experian credit bureau refuses to re-investigate items on my credit report that are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the following several accounts with Experian as the accounts are too old to be on my file and I am with my rights according to FCRA to ask for the deletion of the several outdated accounts. Experian indicated that they verified the accounts however verification of the accounts has nothing to do with outdated information and requesting for Experian to removed the outdated information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
STUDENT LOAN XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
their score has n't changed from XXXX for six months, competing credit companies scores are as follows and they change ever month XXXX XXXX, XXXX XXXXXXXX XXXXThey say they use XXXX XXXX but nothing ever changes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 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 was a victim of ID theft, I followed legal procedure by filling an FTC Fraud affidavit and also filing a report with Law Enforcement Agency. I then forwarded these docs to all XXXX credit bureaus, indicating which accounts resulted from said ID theft and complying them to remove these accounts. XXXX & XXXX complied and removed, Experian did NOT! Even after repeated attempts to enlighten them as of their legal obligations. I am thereby forced to escalate this issue to your level, I hope you 'll be of assistance. In summary, please request Experian to remove and delete entirely from my report the following XXXX accounts, 1 ) XXXX Account # XXXX 2 ) XXXX Account # XXXX. This needs to legally be done withing " 4 '' days of receipt of dispute and attached paperwork proving it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed for Bankruptcy XX/XX/XXXX. I was discharged under Chapter XXXX XX/XX/XXXX. The bankruptcy trustee did not pay real estate taxes on property within the estate and these have wrongly been placed on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is mis reporting the date of last activity to Experian and XXXX for my old mortgage. The true date of last activity is XX/XX/XXXX however, on Experian and XXXX it is reporting XX/XX/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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.

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 2016-06-09 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:
I received a alert on my credit monitoring ... XXXX a collection item was reported to my Experian credit file as a negative item from XXXX XXXX ( {$170.00} ). I contacted XXXX XXXX immediately and they faxed on XXXX/XXXX/2016 me a letter that this item should not be on my credit and they have requested all credit bureaus to delete/remove this negative item from my files. 
My credit is very good as I have no negative items and have never been late on any payments. This negative item should not be on my report ... ... and has cause my Experian score to drop XXXX points. It needes to be removed I am a veteran and am in the process of getting a VA Loan to purchase a home and I need to immediately have this negative item removed from my credit report. My efforts contacting Experian 's customer service to provide me with a fax number or email address to send them this letter from XXXX XXXX and remove this negative items has been frustrating. They refuse to give me information and say it will take 30 - 45 days to remove this negative item from my credit file. 
That is not acceptable ... ..it is critical that this item be removed immediately as it is jeopardizing my ability to get a VA Loan or are getting the lowest interest rate possible. 
I would greatly appreciate if you can contact Experian immediately and let them know that there is an urgency for them to remove this negative item from my credit file with the documentation of the letter from XXXX XXXX that is attached.

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