vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an account that was a recent balance change date it has always been {$0.00} as of XX/XX/XXXX. IT has now been changed to {$0.00} as of XX/XX/XXXX. This change goes along with my discharge date of XX/XX/XXXX as to what Experian has told me. But what they cant understand that this has made me take a big hit on credit score as that it makes the account look as if it was just {$0.00} as of XX/XX/XXXX. This account has always been {$0.00} ever since XX/XX/XXXX since I filed bankruptcy as to the original company XXXX XXXX sold the account and never filed a claim it was XXXX out. I can understand under Status it showing discharged as of XX/XX/XXXX but not a change of date under Recent Balance. FOR this change has made the account look as if I owed a balance before XX/XX/XXXX and looks as if I owed money that I did n't owe, Experian refuses to change the date back or delete account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian took over 30 days to respond to my dispute of inaccurate items on my credit report. 
See attached documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am unable to access my credit report from Experian. The challenge questions they ask on their website have items I do not recognize and does not allow me to obtain anything. The last time I was able to check a few years ago, there are items that do not belong. Incorrect items have affected my credit and ability to get jobs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 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:
I continually experienced additional fraud to my name and social in spite of the efforts made to prevent it. The following additional accounts are a result of my identity being stolen and need to be documented and removed from my credit report. 



XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. XXXX & XXXX are also on my credit file although the 3rd party debt collectors are unable to validate the debt. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.

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 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experian is reporting incorrect information on my credit report. I tried to re-dispute information that is incorrect and the system will not allow me to do so. My report number is XXXX. First they will not correct XXXX accounts with XXXX. These XXXX accounts are reporting as discharged through chapter XXXX bankruptcy. This is FALSE information as I NEVER filed chapter XXXX bankruptcy. This is having a very negative impact on my credit score with this wrong information. I contacted the original creditor and keep being told that it is confirmed that I never did chapter XXXX bankruptcy with them and it will be corrected. I reported XXXX to the XXXX and received a response from the XXXX that they never responded. I am complaining about this because it is ruining my name and my credit worthiness having this false information on my credit report. Also capital account acct # XXXX is reporting an incorrect balance. The collection agency has agreed to delete this from my credit report. I submitted a dispute with experian in regards to this and received a response it has been verified. This is also incorrect so I tried to re-dispute it again and again the system will not allow me to do so. It says that I already previously disputed it and they will not allow another dispute. This is completely wrong as well. Experian is ruining my credit score with incorrect information that they refuse to do a proper investigation. This is causing me a hardship in obtaining 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 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I 've been a customer of Regions bank since 2008 when my mother and I set up an account before I went off to college. Initially when the account was created, we made it very clear that we did not want my account to be overdrawn due to insufficient funds. At XXXX years old I was financially irresponsible and did n't want to risk being penalized a ton of NSF fees so we wanted the debit card to " decline '' rather than continuing with the transaction and earning a fee. Due to recurring NSF fee charges on countless occasions, I 've been to Regions Bank multiple times to reiterate that I did not want the " overdraft protection '' yet I was still being charged NSF fees when I specifically stated that wanted the card to decline. 2 months ago I visited a local Regions Bank concerning the issue and it was finally resolved with the click of button their computer. I 've been wrongfully charged NSF fees for the past 7 years and I should be compensated for those charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On or around XX/XX/XXXX I directly disputed a collection account ( XXXX Accounts ) with Experian, as they did not validate the debt pursuant to my request and federal laws. Allegedly, Experian conducted an investigation and determined that the account was mine. On or around XX/XX/XXXX, I requested that Experian provide me with the method in which they verified the account. To date, Experian has not provided me with their method of verification.

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 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My wife and I have owned our two unit home for 20 years. We refinanced our loan in 2005 and now it is held by Wells Fargo. Our problem is with Wells Fargo. They are sending out paperwork that is false that states they have tried to work with us and help save our house but that is not true. We have tried to fix our problem with them but they have never given us the time of day, have never looked at our situation, and are pushing us into foreclosure. 

We have had no problems making the payments on our mortgage for 11 years. This property is home to myself and my wife, as well as my son and his family which includes XXXX children. My wife and I are retired and on fixed income, and my son is responsible to make the mortgage payment each month. Last year my wife and I took a trip to XXXX and ended up staying for a few months longer than planned to have some medical treatments. While we were gone, our son missed several mortgage payments. We did not know about this until we returned. Once we found out we began trying to see how we could fix this. Wells Fargo would not let us make a single mortgage payment, they told us we had to pay the full late amount. So we tried to see if they would consider us for a loan modification. But we have made no progress with Wells Fargo. They will not assign someone to our case, they will not talk about options or open any kind of review for programs that would help us. They also sent out a letter signed by XXXX XXXX who says she is the VP of Loan Documentation where they claim they tried to contact us to discuss things we could do to save our home but could not do so because they could not reach us. This is false. They did not TRY to reach us. Instead of working with us to fix the problem they are marching us to foreclosure. 

We have paid on our loan for 11 years with 7 % interest and Wells Fargo has collected lots of money from our family. Why will this bank refuse to work with us and consider us for any of the modification programs? This is home to XXXX people, we want to save our house.

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 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On or around XXXX XXXX, 2016 a dispute involving inaccurate credit reporting data was submitted to Experian in regards to an unverified late payment. FCRA requires results be investigated in 30-45 days and notifications made. On XXXX/XXXX/16. I received online notification of other results but never for XXXX account XXXX which is negatively impacting my credit and has not been verified showing a late payment. My dispute for this account was never addressed.

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 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, Experian and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A zero balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by reporting a zero balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had disputes sent out on XXXX and never got the reply within the 30days that they are supposed to send the results. I called and they said they never got anything since XX/XX/XXXX which is a flat out lie, because I have other letters dating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 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, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/NAVIENT XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
We pay bi-monthly payments. This comes out to XXXX payments per year and the equivalent of XXXX payments per year of full principle. We have been doing this since XX/XX/XXXX. Yet as of today Wells Fargo has not applied one completely principal payment. We did have a situation in XX/XX/XXXX where we switched our personal checking accounts to a different institution, thus delaying a payment by XXXX days. I know by doing this we may have offset the full principal payment schedule, however this happened in XX/XX/XXXX and here we are in XX/XX/XXXX and Wells Fargo still has not applied one of our payments as " principle only! '' It does not make sense. I called Wells Fargo and they stated that our first principle only payment will not occur until XX/XX/XXXX. How is it possible that it takes from XX/XX/XXXX till XX/XX/XXXX to make a principal only payment? It should be one every XXXX months! The operator could not explain. Can u help??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has updated the records as PAID IN FULL no charge off or any collection. NO settlement at all. i cant understand why they are not changing the records on the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom it may concern I 've tried two time to correct my address with Experian credit bureau, unfortunately my address still called a multifamily address which is not. In fact the right address is:XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, that 's the address i would like to have with experian credit bureau, i also want to correct my phone number. The number XXXX is no longer. My new contact is XXXX. The address XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX need to be removed. I previously had a social security number ending by XXXX, this number never been used to apply for any credit or loan. I do n't understand why there is an existing file on that number, regardless that previous social security number was surrounded to the social security administration for cross reference and also the name was reversed, the date of birth appeared to be wrong. Any lenders ( XXXX XXXX, XXXX XXXX, XXXX ) did n't have the previous number because it never been used to apply credit or loan. My question to experian is how did they get this number? the only number i am using is my social security number, the current one ending by XXXX. The only way experian can have my previous social security number is in case of being misled by lenders which is not because i also spoke with XXXX XXXX, XXXX, and XXXX in order to verify my social security number, they all have my current social security number ending by XXXX. I would like to keep XXXX file, the right one with the social security number ending by XXXX. 
Thanks! 
Best regards!

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 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was turned down for a mortgage due to information in my XXXX credit report. I have disputed a XXXX account several times, and they refuse to correct the information. They have also locked me out of the website and will not allow me to file a dispute online, nor will they provide me with a free credit report. XXXX will not allow me to access my report online unless I pay for the report using one of their services. The XXXX account XXXX was charged off in XX/XX/XXXX. XXXX is now reporting the account as having been charged off in XX/XX/XXXX. They have illegally re-aged the account. The are also incorrectly reporting the first date of delinquency ( should be XX/XX/XXXX ). Due to this incorrect information, I was turned down for a mortgage. The account needs to be deleted because they have not been able to verify or correct the information and have since illegally re-aged the account which resulted in my inability to obtain a mortgage. I also need to have full access to my credit report. I have attached supporting documentation from a XXXX report and also from a XXXX statement dated XX/XX/XXXX. The dates and balance on the XXXX account as reported by XXXX are all incorrect. I either the entire account to be deleted since they have not been able to verify or report correct information. Their false reporting has damaged my ability to gain credit. XXXX has ignored previous requests and locked me out of the website. 

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 2016-08-31 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 massive loans that I never applied for and credit cards and dept that I have never ever applied for. Some one is using my identity.

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