vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 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 am a victim of identity theft. My personal information was stolen and were opened XXXX fraudulent accounts under my name. They are : XXXX XXXX XXXX ( account no : XXXX and XXXX XXXX Bank ( account no : XXXX ). I filed a police report at XXXX XXXX Police Department on XXXX XXXX, 2016 ( Report No : XXXX ) and submitted this identity theft report to the credit reporting agencies and the banks. The credit reporting agencies blocked and removed these XXXX fraudulent accounts. But recently, Experian credit reporting agency reinserted XXXX XXXX XXXX and XXXX XXXX Bank accounts back to my credit report. I called to Experian but Experian credit reporting agency denied my dispute explaining that they could not block again reinserted fraudulent account. Please help me to resolve this problem and remove this XXXX fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Portfolio recovery associates keeps reporting wrong information to my credit report and Experian keeps reporting that wrong information in flagrant violation of the Fair Credit Reporting Act. The XXXX XXXX XXXX account on my credit report needs to be deleted per the consent agreement between the Consumer Financial Protection Bureau and XXXX XXXX XXXX from XX/XX/XXXX. In addition, XXXX XXXX XXXX is reporting an active collections account XX/XX/XXXX and XX/XX/XXXX. This is wrong, there is no open collections account with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting wrong information in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX is trying to reage the account so that it stays on my credit report longer in flagrant violation of the Fair Credit Reporting Act. Experian keeps reporting the XXXX XXXX XXXX account as an open collections account which is wrong, and it should be deleted as per the consent agreement with the Consumer Financial Protection Bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 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: OK

Complaint narrative:
Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian refuses to investigate disputes for XXXX XXXX and bankruptcy on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify 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 matter as soon as possible

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 2015-12-12 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:
XXXX accounts were recently removed from my credit report in error and Experian refuses to correct this. XXXX of the disputed items were removed in error on THEIR end, as I disputed the payment status and comments ONLY and they removed the entire account. They sent a letter saying that they will not add information from a third party, consumer. This information had already been on my credit report! This is also my XXXX letter being sent to them. The XXXX item was disputed in error on my end and I asked for this to be re-inserted and that is when they sent the letter stating they will not re-insert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a Judgement reporting on my credit report that is completely inaccurate. I have sent the credit bureaus multiple letters asking them to verify the accuracy and they claim they contacted the court however I sent the court a letter as well and they claim they do not verify anything with any credit reporting agency. The credit bureaus are falsifying their investigation results and lying to the consumers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to Experian to get a free credit report. They charged me {$1.00} for it on my credit card. Then they signed me up for a monitoring service I did n't want. I did n't even know I was being signed up for it until I started getting billed on my credit card. They have billed me {$21.00} XXXX in a XXXX month period. I called them to cancel this unwanted service. It was after-hours and the automated phone prompt directed to me to send an email to cancel the membership. I did. They replied back that they could n't find a record of my account and to send them more information. I did. They said they still have no record of me based on my name or email. I called them to cancel. I waited on hold for almost half an hour. When I finally got someone, they asked for my name, phone number, email, date of birth, etc. They said they do n't show any record of me. I asked them if I have no membership with them, why are they billing me. They said to give them my credit card number. I said I 've already done that and you started billing me with unwanted things, so why would I give you the number again. If they 're already billing me, they should have my credit card number along with name, address, etc. They keep saying they have no record of me, but they keep billing me! I did a google search and found dozens of others going through the exact same thing and none of us know what to do to get it to stop. I 've filed a complaint with the XXXX and contacted my credit card company which is now in a billing dispute with them, but I have n't heard back to see if anything has been done. I just want to cancel the membership that I NEVER wanted. The only reason I went to Experian was because the FTC website said I could get a free credit report. They need to be more upfront that they are charging you and signing you up for memberships because from what I 've seen, this is common practice for them. Now they have emailed me saying maybe it 's another company with a similar name. I 've tried explaining to them it 's not another company, because it 's their same name and same customer service number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01 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:
I 've dispute XXXX aka XXXX for years and they have ruined my life for years when the account is not right. I try to submit the letter where it should be removed and they say the file is too big. They do everything they can to harm individuals. Additionally, they report an extra address that 's not mine and refuse to remove it. I live at XXXX XXXX XXXX XXXX XXXX XXXX, they have a second address as XXXX XXXX XXXX XXXX XXXX XXXX that 's a typo and all these extra, incorrect addresses hurt my report, yet they do n't care one bit. I 'm a single mom and they 've destroyed my credit for years claiming they investigated, yet your records will show every time I actually investigate myself, it 's removed. I 'm a single mom and this has been my nightmare. This company does n't care.

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 2016-04-16 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I paid the debt with the original creditor, XXXX. I do not know why it was turned over to Diversified Consultants, because I did not do anything wrong. Diversified Consultants is continuing to report the bill as open and unpaid on my credit reports, though I have called them, directly, twice to resolve this matter. They refer me back to XXXX and deny ever speaking with me about this matter. XXXX refers me back to the collection agency, when I contact them. It should have never been turned over to Diversified Consultants, and neither party is attempting to work with me to resolve this issue. In the midst of this, my credit report is being negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of identity theft. Several accounts were opened and managed without my authorization. Once I was able to find out, I filed a police report, an identity theft affidavit, and several disputes explaining the situation, pursuant section 605 of the FCRA. In addition to that, I also submitted the same documents to these creditors to support my claim. Experian has failed to comply with section 611 of the FCRA by not properly investigating this account. I was a victim of identity theft, and I should n't have to be responsible for something I did not do.

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 2016-03-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One raised my interest rate on my current bill. I received NO notice by phone, email or standard mail to advise me that this hike was about to occur. Just prior to receiving this bill I made a purchase with this card. If I had known that this hike was about to occur I would have used a different card. XXXX with a lower interest rate. When I called to complain they told me my card was an adjustable rate card which once again I had no knowledge of that if it is indeed an adjustable rate product. When they sent me the original solicitation to sign up for the card a number of years ago that stipulation must have been hidden in the fine print. On both counts Capital One was deceptive at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access (to my credit file XXXX ***********) has been given in writing. No validation of Debts has been given at all XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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:
In XXXX, When my husband and I build our first house we ran into a snag when they found on my credit report someone else 's info. She had the same name as I and we lived in the same town. My husband worked hard to get her info off so we could close on our home. In XXXX we got divorced, my credit only had slow pays on did due to financial problems of divorce. In XXXX, I had to refinance my home, when my credit was run I found Experian had put this person back on my credit report SS number, address, bankruptcy, we went to same Dr 's Hospitals, etc. My SS # was also on this report dated XXXX actually there were XXXX SS # 's on it. It also shows a bankruptcy, I 've never had one, and this still shows on my report today. When I reported this report, They told me to prove it was n't my info. I had pulled my CR from the other XXXX companies and their reports were right and had half the info, I asked them how come those were right and Experian were wrong, where did they pull those SS # 's from. They still insisted I fix this. In the mean time I had to refinance my house at a higher interest rate 7.9 because I could not get all this cleared up in a timely manor. It 's at least XXXX or more problems not XXXX or XXXX. I worked XXXX jobs and a single Mom with a small XXXX son, there 's no time to hang on a phone. The only help they offered was to quickly remove the wrong SS #. These errors have followed me for years. They have ruined my credit, forced me to pay cash, not letting me establish credit, purching cars at extremely high rates, or for cash only. My bank stopped giving me small loans because they thought I defaulted on my loans. She and I banked at same credit union. That was n't me!! It was the other person, she filed bankruptcy!! They need to be held accountable!! Now I see debt that should have been removed years ago showing derogatory until XXXX? I have all my old Credit reports showing there errors. I thought they were formed to protect us not to hurt us!!

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 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my request to investigate and correct accounts in my credit report that are reporting incorrectly.

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 2015-07-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a 2011, XXXX XXXX from XXXX XXXX XXXX. They shopped around and obtained a loan through Capital One Auto Finance. The terms of the loan were that # 1. I must purchase the Auto Warranty ( {$2200.00} ) or the deal would not go through and # 2. The selling price including the warranty was {$18000.00}, the interest was 19.79 %. Before I made my XXXX payment on the vehicle I received a letter that stated I owed an additional {$280.00} Plus dollars. I am charged a daily interest rate that I was not informed about of {$9.00} per day. This interest negates my monthly payments. I am charged this interest whether I pay before my due date or not. My payment is due on the XXXX of the month but I pay usually on or about the XXXX except for the month of XXXX. I wanted to see what they did regarding interest. Surely this is a predatory loan. This loan is also forcing me to take out GAP insurance as added protection in the event of loss because I am sure I am or will be upside down on this loan as a result of the forced Warranty, the high interest rate and the daily interest. Below I feel that XXXX of the issues apply to me but I can only pick XXXX, they are : Shopping for a loan, Taking out the loan and Managing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 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:
My brother 's mortgage has been on my Experian report for some time now, efforts to reach experian via phone end up with me hanging up in frustration because I can never get to a live person to find out what i need to send in to fix the issue. This has caused several attempts at applying for debt consolidation loans to be declined because of this inaccurate reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-16 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:
Today I received in the U.S. Mail a letter from " Experian '' dated " XXXX XXXX, 2016. '' Under the " Address '' section of my " Experian '' credit report it lists a false address of " XXXX. XXXX XXXX ; XXXX, California ; XXXX. '' I have never lived in " XXXX, California '' nor I have ever own a " XXXX. XXXX XXXX '' in " XXXX, California '' nor anywhere else in California! I am the victim of Identity Theft. I had written to " Experian '' about " Deleting '' this " XXXX, CA '' false address over 30 days ago, all to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 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 sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX XXXX. XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX. XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX BANK. XXXX/XXXX/XXXX XXXX And XXXX XXXX. XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.

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 2016-09-28 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:
Twice this year, in XXXX and today ( XXXX/XXXX/2016 ), it was brought to my attention that XXXX issues remain on my credit history despite all my effort and assurances they would be removed. These issues seriously lowered my credit score. The credit directory at this complaint is Experian. XXXX and a legal document proving that the matters were in error and/or closed are attached. XXXX XXXX was resolved more than a year ago with the help of CFPB, but it remains on my credit history also.

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 2016-09-22 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 received email stating an incorrect address has fraudulently appeared on my credit report through Experian. This address was submiited by XXXX XXXX. It is not my address nor has it ever been my address. It has been placed on my XXXX account four times since XX/XX/XXXX causing my account to be compromised and closed each time. XXXX would not try to help me. Please advise me on how I can proceed with having this issue resolved or these people prosecuted for committing fraud.

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 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!

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