vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there XXXX of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my infoWhen I receive a tax notice from the Commonwealth of XXXX using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year 2010 when that is n't true - this is something I 've just recently put XXXX and XXXX together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theftWhen I get a letter from XXXX Food Stamps agency that says my application file was accidentally opened and opened by an agency in a different county than mine...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17 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:
XXXX XXXX XXXX XXXX Is reporting to my credit report false information and Credit Agency XXXX | Experian have removed my real account. 
False Account Reported is # XXXX $ XXXX collection or deliquent, My real Account which was deleted is # XXXX $ XXXX paid off in good standing, they deleted my account and left the # XXXX on my file. Please have this report removed immediatly from XXXX and Experian, they are in violation and defamation of my credit rights.

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 2017-03-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My mother passed away on XX/XX/XXXX, and I am the executrix of her estate. When I I was cleaning out the effects in her home, I found a bill from XXXX that had a due date of XX/XX/XXXX, regarding my mother 's credit card account with them. I called XXXX customer service on XX/XX/XXXX, to notify them of her death and asked what I needed to provide them in order to manage her account ( as the executrix of her estate ). I was told I needed to take my documentation ( death certificate, short certificate and proof of identity ) to a bank branch for verification. So, I drove the XXXX mile round trip to the XXXX, Pennsylvania, branch that was closest to my home and met with the branch manager, XXXX. He took a rub of the seal on my short certificate on the copy he made of my drivers license, made a copy of the short certificate, took an original death certificate and also took my mother 's card and locked all of this in the vault. He also faxed the documents to XXXX 's collections department. At this point I assumed her account would be statused appropriately and I would get a final bill to pay from her estate. I have since received XXXX additional bills for her account, each assessing late fees and finance charges despite my in-person notification to a XXXX employee that she had died, and her account should be marked " deceased '' and written off as such. After the receipt of each bill I called XXXX customer service to ask why her account was not closed and I was still getting bills. I placed calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and was continually told I was not authorized to speak about her account even though I personally took acceptable documentation into a XXXX branch and it was visually inspected by the branch manager. I was finally told on XX/XX/XXXX that they considered me eligible to speak about her account, but I 've received a contractual charge-off statement on the account because it took them over two months to deem me eligible. Her account should have been written off in XXXX when XXXX was notified of my mother 's death, and the account should not have had the additional ( and potentially illegal ) late fees and interest assessed that they piled onto her balance.

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
Consumer complaint received 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I needed to get my Inquiries removed off 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 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with Experian in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 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 was making some disputes on my credit report. I sent an envelope with various accounts listed on individual papers to Experian on XXXX XXXX, 2015. On XXXX XXXX my former landlord sent me a package that she received from Experian that included the dispute I made against her as well as disputes I submitted for other accounts ( credit cards, collections, medical etc. ). Experian violated my privacy by forwarding personal information including full account numbers to a third party. I was exposed to identity theft due to their carelessness. I have a copy of the entire package that was sent to my former landlord including a photo copy of the envelope it was sent in. My disputes have gone unresolved and now I have this to worry about as well. I am trying to improve my credit but Experian has failed me horribly by exposing me to additional privacy concers

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: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This Agency claims they investigated my dispute but yet they continue to report inaccurate balance on my report.I have contacted them on a number of occasions but they wont respond at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency XXXX & Experian I contacted the creditor XXXX to get help to resolve this mistake. XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at XXXX and Experian & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX XXXX of the President XXXX. Here is what XXXX was told by XXXX " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to XXXX by phone and fax and to Experian by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both XXXX & Experian despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX and provide contact information for XXXX XXXX at XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 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: TX

Complaint narrative:
When asked to verify my identity with various questions, the questions were not correct and the answers I gave were not correct although I know them to be the correct answers to questions asked. I therefore can not have my identity verified nor receive my credit reports.

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 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2016-04-04 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: FL

Complaint narrative:
This status that I received a credit report on XX/XX/2015. I did not! I need to see my report so that I can file disputes that may or may not be on there

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 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been experiencing issues with possible identity theft so I submitted a written dispute to Experian asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.

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 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted dispute to experian to remove public record Index No. XXXX Civil court of NY via certified mail and still have not received a initial response. I also have sent prior dispute without a single letter of receipt by experian. the default judgement has been vacated

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 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, XXXX medical issues and XXXX % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is XXXX % less square footage This is a Securitized, Stated Income ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also diagnosed with XXXX XXXX all in a condensed period of time.

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: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is taking a XXXX on me and their subsidiary, CFPB since XXXX. 
They ignore my requests to show me my credit report because they messed it up, and my credit score too, and CFPB is doing absolutely nothing to compel them to comply with the law.

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 2015-09-09 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:
So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars XXXX, they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with World Finance had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. Comenity who is now working with XXXX are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( XXXX Experian XXXX. I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX Jewelers not included.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This has been an ongoing issue with Transunion credit reporting. I now have copies of what 's being reported as my score. And the score they are giving others for me. I have attached a copy of my online report the I pay for. And have a copy of my report that was sent to creditor. This caused me another chance to get approved for my loan XXXX Again! I am paying money for a true credit score and am not getting it.. Both of these reports are right from Transunion and NO ONE ELSE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Disputed previously with Transunion. 
XXXX XXXX Reporting is outside of the statue of limitations. Date opened was XXXX/XXXX/XXXX. It is XXXX/XXXX/XXXX. In the State of Ohio, a debt can only be reported for up to 7 years. This has been on my report now for 8 years and 11 days. I want this removed from my credit report within 24 hours, and a reward of {$25000.00} for Defamation of Character.

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