vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-10 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
It is my contention that my rights under the FFDCA have been grossly violated for the following reasons : Upon contacting the XXXX XXXX Justice Court with regards to these matters I was informed that a Letter of Settlement had never been issues for case XXXX, which was paid directly to a XXXX at XXXX XXXX by money order. 
Upon contacting the attorney of record with regards to this, the office refused to send a settlement letter and instructed me to contact the creditor. Upon doing so I was referred to the collection agency who has no record of this. 
The attorney of record attempted to garnish the co-signers income, a woman of XXXX years at the time who was on a pension and Social Security, in gross violation of the law and a gross ethical violation under Arizona State Law. 
Upon contacting the creditor and demanding my rights to deal directly with them, they refused in violation of my rights. 
Upon contacting the collection agency and trying to make payment arrangement with one XXXX XXXX XXXX, on numerous occasions, this was denied and I was informed he would only accept the full amount for the settlement amount. 
Upon contacting the collection agency and attempting to pay a [ predetermined collection settlement amount I was informed XXXX of XXXX XXXX had now increased the amount. At this time I was also informed my account had been reported to a secondary agency for renters and a settlements would affect my ability to rent in the future. I was never informed of this. 
Upon contacting the collection agency with regards to the entire amount and requesting a breakdown, I was refused and rudely informed by XXXX that he had this file for years and he knew the amounts. 
Inasmuch as my mother is also listed on this account, she had her attorney contact XXXX and he subsequently chastised me for having an attorney contact him and was told to deal with him directly. 
Upon being told by the XXXX XXXX Justice Court that the second judgement amount had to be paid directly to them, I was informed by XXXX that HE was the one taking all the funds and I was NOT to pay the court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by SPRINGLEAF FINANCIAL SERVICES on XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC.
State: CA

Complaint narrative:
They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I mailed dispute letter regarding Bankruptcies that reflected on my credit report. I asked to verify the accounts, I was advised that they did verify through XXXX and the Court systems, this is incorrect. I have security freezes presently on my account so information as such who verified is inaccurate. I have requested to have this reviewed and deleted and the Experian has not done so. I would like to file a complaint against the credit agencies reporting such and stating that XXXX and the court systems as verifiers.

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 2015-11-07 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: NY

Complaint narrative:
I have previously obtained my credit report through XXXX within the last year ( XXXX ), I have successfully disputed items on my report via Experian online ( experian.com ), yet I do not have access to my report online ( XXXX ). In other words I can not access my credit file online via the Experian website. I continue to be denied through this message " We are unable to honor your request for online access. " through experian.com. I have called Experian about this issue and the only assistance that the company can provide is to send me my credit report via mail. The gentleman that attended to my concerns only informed me that there was nothing that they could do about the matter being that they, the call center, had nothing to do with the website. Meaning they could not resolve any access issues, or any issues in general regarding the website. As of yet there is no link on the experian website in order to complain about this issue or any issue related about the website for that matter. I am looking to have convenient access to my credit file online, for review and disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint because Experian has continued to ignore my request to provide the documents that they have on file that was used to verify the accounts I disputed. Being that they have exceeded the 30 day mark and can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am currently experiencing extreme difficulty with the credit bureaus. Experian, XXXX, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, First Premiere, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 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:
XXXX is on my account twice, which the account is fraudulent and belongs to XXXX XXXX. I noticed these accounts on my credit report in which they have been since XXXX. I did not know or have never paid on this fraudulent account therefore this account has been on my credit report almost 10 years which I am sure against FCRA. I am attaching the signature provided by XXXX to CFPB ; and on their application and providing my mortgage signature page. It is plain to see the signature on XXXX 's application and my signature are completely different. Also, XXXX has submitted a letter of acknowledgment in regards to fraudulently signing my signature in which I attached. Again, It shows my signature and addresses which conflicts with the information on Navient application. Also it against the law for them to report the same account twice. I am asking for this to be removed immediately. Also, if the company reviews my documents it is obvious that I was living at different addresses than the XXXX on their application, look at the date on my mortgage page, Worlds Saving and my property tax document which dates my current address beginning in XXXX until current, therefore I knew nothing of this loan.

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 2015-09-24 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:
On my credit reports there is an account that is not mine. It is from a collection agency named XXXX XXXX & XXXX XXXX account # XXXX XXXX. It claims that I owed them a debt, which I do not and never signed an agreement with them. Now it is hurting my future because when I apply for housing the landlords reject me because on my credit report it states the XXXX XXXX XXXX XXXX account came from an apartment complex. Please help me with this situation as I do not owe any money and I can not get housing because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has fail to delete wrong information on my report, such as personal and accounts with recent payment that have been close. Fail to provide me with proper documentation of negative collection accounts on my report. also they are taking more than 45 days to provide me with mail in results of my disputes.

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 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
RE : EXPERIAN XXXX XXXX XXXX Incorrect address on my credit report Dear CFPB : I called Experian in regard to an address that was not mine. Experian XXXX XXXX advised me to contact the creditor. I contacted the creditor and was informed of a system error on their part. Experian still has not removed this address from my credit report even though I had requested it removed. Please see the credit report that reflects the incorrect address. 

Please remove the address XXXX XXXX XXXX XXXX XXXX CA XXXX. The address is not mine and I never lived in California. 

Sincerely, 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 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX charge off account verification. The original creditor was not able to provide any information regarding this account to me. Experian dispute responded as verified. I don not believe they correctly investigated this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting an acount from XXXX which is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. Please remove.

Company public response: Company 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 — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account was paid in full before collections action began. Please research and have this account deleted from my Experian credit report. this account is negatively affecting my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The way these companies are set up is fundamentally NOT in the favor of the consumer. 
There needs to be a simple, easy way to get a credit report and XXXX score without having to sign up for a service that you need to CALL to cancel. 
It is not simple to set up a Fraud Alert or a Credit Freeze- that requires printing out forms, But these companies make it really easy to sign up for unwanted services that should be available for free. And they do n't make it clear on their sites that what they sell you is n't something you need to buy. The services that you can buy- they should make it easy to do online. 

Enough- anyone who understands credit report process at these companies or in the Govt. must know what I 'm talking about, and can articulate it better than I can. 

All I can guess it that - what is it? Lobbying? - somehow these companies have really worked the legislation in their favor. Because as a consumer- trying to work with them is not simple or geared towards my best interest in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to first find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: MD

Complaint narrative:
I have an acct with you that was from identity theft and is fraudulent that i have not opened or opened any associated account i have filed a police report regarding this issue of the acct being opened fraudulently and have a notarized identity theft affidavit and it has yet to be removed or collection closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, I paid Experian {$4.00} for a XXXX score. There was NOTHING that indicated that I was signing on for anything other than that score. Today, I noticed that XXXX was charging my debit account {$19.00} for Experian. I called XXXX, and they told me there 's been a monthly charge of {$19.00} since XXXX. They called Experian, who said they would credit {$19.00}, but no more. XXXX said, with further investigation, they MIGHT be able to get a total of {$59.00} XXXX for XXXX, XXXX and XXXX XXXX. They said they could not go back to XXXX because their liability did not allow them to. I called Experian, who said they could only refund ONE month of {$19.00}. When I said that I never authorized or signed for anything other than a {$4.00} XXXX score, the representative claimed " It was on our website. '' I then inquired that if I had signed on to some long-term contract, why had n't I receive a confirming email or review of exactly the service and terms to which I had committed. She reiterated that she could only refund {$19.00}. I asked her again for the total refund of {$79.00}, but she refused. To this moment ( and I was on with XXXX and Experian for a better part of an hour ) I have NO idea what the {$19.00} monthly charge was for, or what benefit or service I was receiving for that money. I believe this is an underhanded manner to get people 's credit or debit card information and surreptitiously charge them. I told Experian I expect the full refund because I was never informed of the charge or service, and never asked for the service. Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have spoken to XXXX Experian representatives over the course of months now to fix the following problems : 1 ) incorrect SSN on my report stopping me from getting my XXXX score and approval from credit card companies, and 2 ) their inability to verify my address and thus having me wait 90 days. I have uploaded my proof of identity multiple times, and as a result, got the SSN problem taken care of. Experian sent me proof of this saying my SSN has been update on a report.This means they have my identification materials on file -- exactly what they need to verify my address. However they " lost '' it and now I have to reupload them, except now it wo n't let me upload anything. I am dissatisfied with every aspect of Experian 's terrible, incompetent customer service, and believe that my identification materials have been stolen. I will be seeking legal action against Experian.

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 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I paid the loan off XXXX on a car loan XXXX years ago ons it is still on my credit report I talked XXXX and they said it was up to the. Credit bureaus to take it of I want it off I paid the money to pay my loan off so discusted

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