vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Experian. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.

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 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experian re-inserted an account ( XXXX ) back into accounts that are potentially negative. Proof was sent in to experian month 's ago that this account was never paid late. It was rectified and listed under accounts that are satisfactory. Today I checked my credit report. Report # XXXX and see that it was put back in where accounts that are potentially negative. This information is completely wrong and I tried to submit a dispute but experian will not allow me to re-dispute it again. I am trying to obtain a mortgage and having wrong information on my report is affecting my credit worthiness. I am submitting this complaint for 2 reasons. 1 it should have not been re-inserted into accounts that are potentially negative and the second complaint is experian will not allow me to re-dispute this. It is my right to correct wrong information on my credit report and they are not allowing me to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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: SC

Complaint narrative:
I mailed Experian a letter asking them to investigate numerous items. I included all the required documentation as per the instructions on their web site. They sent a letter saying I did not send the right ID

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 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or about XXXX 2014 my identity was stolen and numerous credit account were opened in my name in XXXX and XXXX. I disputed the accounts and a determination was made that I was not responsible for the accounts. The credit inquiry is still on my credit report. I did not ask for or apply for the fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 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: CA

Complaint narrative:
browser crashed when I first entered my info and was trying to view Experian report. I came back in and got my other XXXX reports, but experian would n't let me in and directed me to a form to submit proof of ID, I did that but my first ID copy photo was XXXX, which said it was n't allowed. Then I did a TIF as it instructed but then that was rejected because it was n't black and white. Then I submitted black and white and it said I exceeded my number of tries and must submit by mail. That 's a bunch of XXXX, considering none of those image requirements or number of attempts was NOT posted.

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 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I attempted to shop for a good rate for a car in XXXX of 2014. I went to XXXX XXXX dealership and I received XXXX hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN KNOWINGLY REPORTS ERRONEOUS INFORMATION, KNOWINGLY ALLOWS ACCOUNT TO BE RE-AGED, REFUSES TO INVESTIGATEAND REFUSED TO DELETE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Inquires not authorized being reported on credit report 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/XXXX 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 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Disputed a public record on Experian the judgment is paid in full. Experian refuses to mark it as paid. I have sent them the paperwork online showing that the judgment is paid. Just received the copy of my credit report from Experian, and the judgment is still not marked as paid. I am a resident of New York State, and the judgment will be 5 years old in XXXX, this judgment needs to be off my report in XXXX 2016 according to the New York State 5 year rule. Below is the satisfaction of judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not reporting all my Payment History information regarding an old credit card ( XXXX XXXX XXXX XXXX XXXX - XXXX ... ). This negative item has been in my credit report for more than 7 years, and due to lack of investigation from Experian, the item still in my report. I have submitted many disputes, but they still reporting inaccurate information ( payment history ). 
XXXX and XXXX are not reporting this account any longer because of the 7-year period. 
I submitted the last dispute to them one week ago, and they complete it in just two days. I believe they are not getting information from the credit card company. 
I need an advice of how can I handle this situation with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14 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:
In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with Experian, XXXX, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!

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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Never could receive my credit report from Experian who has the wrong birth date. I can not even see it because it says I am a 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 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX submitted a hard inquiry on XXXX/XXXX/2015 to Experian Credit Bureau. I have no knowledge of this company.

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 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A debt dating from XXXX has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The XXXX of XXXX for XXXX have no record of any documented debts owed by myself..

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 2017-02-10 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:
XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX I XXXX I am trying to submit a disputes on this accounts because accounts not related to me, but Experian said accounts was verified and not accept any disputes on this accounts, supporting documents was sent to experian but they are rejected to dispute this accounts anymore

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 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus via XXXX but only received my report from XXXX in which I found a judgment from XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Experian make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 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:
today experian ( automated ) refused to investigate XXXX, XXXX ... CITING FCRA REGARDING FRIVOLOUS DISPUTES. 
THE PAYMENT HISTORY IS INACCURATE '' ON THE FACE OF THE RECORD ''. 
CITING FCRA ( UNCITED ) REGARGING ENTITLEMENT OF ACCURATE REPORTING EXPERIAN MUST REMOVE IMMEDIATELY THE PAYMENT HISTORY OR THE ACCOUNT. IF EXPERIAN CAN NOT SEE THE INACCURACY ON THE FACE OF THE RECORD ... THEN EXPERIAN SHOULD HIRE EDUCATED PEOPLE WHO CAN, " ON THE FACE OF THE RECORD '' IS LEGAL TERMINOLOGY

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 2016-04-19 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:
None of the accounts were deleted off any of the XXXX credit companies

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 2015-09-27 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:
I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Marlette Funding, LLC
State: WI

Complaint narrative:
Is this a legitimate organization? I had to provide my social security number and address to get them to remove my name from their mailing list. Then I got a follow up mailing piece asking me to sign my confirmation to not receive any more offers from their organization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Spoke with third party. Representative lied and said they were unable to process a dispute on the amount claimed to be due. Amount due was wrongfully thrown on my credit report prior to my being notified of the amount " said-to-be due. '' The issue turned out to become hostile with the third party agent and she insulted me and told me they will just have to collect the money by " other means. '' This caused me much anxiety, even with my existing XXXX. I felt as though I was undermined and treated with disrespect regarding the amount due. I was ultimately unable to communicate effectively with the third party billing collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: National Credit Systems,Inc.
State: OK

Complaint narrative:
Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I co-signed on a Cash Call loan for my XXXX XXXX in 2013. My brother immediately defaulted on the loan and I was left to pay it off. Unfortunately, I was layed off from my job shortly there after and was unable to keep up the payments. 
So, now I have a Cash Call amount of XXXX on my Credit Report. I have contacted Cash Call to set up a Lump Sum payoff, but they refuse to speak to me regarding this loan, since I am not the " Primary Signer ''. I need this Cash Call off of my Credit Report to move forward with a Refinance that I am attempting to complete. 
In short, I need your office to contact Cash Call and find out how I can pay of this debt & how long afterwards before their company is off of my Credit Report.

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 with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I got into a car accident shortly after getting this loan and had changed jobs. I bought all three insurances from the lender to make sure if anything happened to me the loan would be covered and not harm my credit. I missed a payment and all the huge fees and fines snowballed the insurance I purchased would no longer cover me since the way I get paid changed. I continued to make payments and get caught up they continued to report late payments regardless even though I worked out an agreement. I was actually paid ahead XXXX XXXX and still reported me late. My loan was always paid ahead since. I have paid off this loan XXXX XXXX in full and the loan is still reporting as open with a dollar balance. I was sold fraudulent financial products such as the insurance and have now suffered harm to my credit because their bogus products to protect people from these circumstances are fake. The late payments need to be removed and a refund is due on the bogus products sold to me and all the pumped up fees and fines refunded and late payments removed. I could never recommend this company. I have a stellar credit history otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AVANTE
State: TX

Complaint narrative:
I settled the debt of {$730.00} with the previous collector. It seems they sold my information to another collector, and this has reappeared on my credit score. This practice of selling paid debts to another collection agency is unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Management
State: FL

Complaint narrative:
after frequent messages left and contacting me through my former employer number, I called and tried to negotiate to resolve the balance. the collections agent was rude in her language, threatening further recourse. I asked repeatedly for terms to work through this unexpected debt received after other medical expenses had been covered and paid for my youngest child 's XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation