vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-29 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:
my identity was stolen and there are several fraudulent accounts 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 explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Response disputed Experian said : Explanation of closure Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
Please see the attached document that includes our response to your complaint. 
Thank you. 
Relief The disputed accounts do not appear on your current Experian credit report The top portion is a copy and pasted portion of the response in regards to the XXXX XXXX account. This was sent to the CFPB. Please update my credit report to correctly reflect this. I have been attempting to correct theses errors since XX/XX/XXXX and why Experian does not feel as though they need to correct the errors is beyond me. Please correct the credit report and delete the XXXX account. I have personally provided you with documentation from Ally stating this account does not belong to me. I have also provided you with a certified letter I sent to Ally requested documentation. They have no documentation that belongs to me. Therefore, they could not provide anything. XXXX XXXX has admitted to the fact that they did not call and confirm XX/XX/XXXX as I did have a fraud alert and freeze on my credit report since XX/XX/XXXX. I do have a credit report that reflects the same. Why Experian changed the date to XX/XX/XXXX is beyond me. This is negligence on the part of the creditor and the credit bureau according to the FCRA. If you would, please correct my Experian credit report. I never asked for a re investigation. The account has been deleted, it can not reappear, I received a credit report from Experian where it clearly stated XXXX XXXX had been deleted. This account can not be put back on my credit report once it has been deleted. That is what the FCRA states anyway. Based on the statues, and the fact that this account does not belong to me, and based on the fact that I have done everything in my power to obtain documentation and XXXX XXXX has nothing this account must be deleted

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 2016-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
At This time, I am disputing what Beneficial HSBC had responded to my claim with. For the fact that i did in fact make my trial modification payments, and each time I was never notified. During the last time in 2014 i had even went through another Lawyers office. I have enclosed copies of each check that was sent in for the last modification showing that we did make the payments for 2014. Also If Beneficial does not participate in the XXXX or similar federal government-sponsored programs, why???? do Beneficial employee 's tell me when i have called or even when i received the information by mail to please call for to see if you qualify for XXXX Assistance or XXXX. 
Plus this is not to mention there are XXXX different names on papers that I received in the mail, and each XXXX had different answers for me when I talked with them, not to mention when my new wife did also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
For about the past two years, Navient ( XXXX ) has been " accidentally '' applying my payment to the wrong loan. Monthly, I pay one of my private loans that my uncle has co-signed so I do not default on the loan and mess up his credit. Navient states that if you pay on time on a loan consecutively for a year, you can possibly remove a co-signer from the loan. I want to remove my uncle as a co-signer, so I tried to pay the monthly fee on that loan on time for two years. Whenever my last month of paying on time comes, I call Navient and pay over the phone, thinking I am paying on the co-signed loan. A few days later, I get a call saying that the payment is past due. I call Navient stating that I already paid on the loan, but they tell me that my payment was " accidentally '' applied to another loan. They tell me that they can not reapply the payment to the correct loan and that I have to pay again. I ask them if I would still be eligible to release my uncle as a co-signer from the loan because I would have paid consecutively on the loan if it was not for their fault. They tell me that I have to start the whole process again. I tried to pay consecutively on the loan for two years, and each year the same incident happened. It is not fair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complain is against Experian. Why is it that you can not use the United States court documents I sent to you? You did not explain the reason for this but yet you are going to go back the XXXX XXXX who is supplying the erroneous, incorrect, negative and outdated information to verify if the information is correct????? Look I have never had an individual account with XXXX XXXX or XXXX XXXX. I have never applied for an account with XXXX XXXX or any one associated with them. What documentation or what does it take for you to understand this??? My question still has not been answered ; How does XXXX XXXX verification have more authority than the United States courts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Nationstar Mortgage XXXX XXXX XXXX XXXX, TX XXXX phone XXXX fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX phone XXXX fax XXXX Since the 2nd week of XXXX XXXX we have contacted Nationstar either by phone, email or fax trying to find someone who will help us resolve an issue we have with XXXX XXXX XXXX. 

XXXX XXXX XXXX mailed us a letter stating " Notice of Intention to Create Lien for Delinquent Front XXXX XXXX Charge / Water and/or Sewer Facility Charges '', and they are going to place a lien on our property for a bill that has not been paid by our mortgage company, Nationstar. 

This bill was apparently due on XXXX/XXXX/XXXX, after Nationstar purchased our mortgage from XXXX. We have never been notified by the Utility Company that a bill was owed. According to Nationstar, the Utility Company did not notify anyone at Nationstar about such a bill. It has been 6 months, and the first letter we receive is a threat to place a lien on our property. 

XXXX mailed us a statement showing that all payments to this XXXX Company from XXXX to XXXX, have been paid by our previous mortgage company through our escrow account up until the time that the mortgage was purchased by Nationstar. 

We were told by phone on XXXX/XXXX/XXXX to email all of the information we have pertaining to this bill to XXXX XXXX at Nationstar, we did, he never responded by phone or email, we emailed him twice. 

We called on XXXX/XXXX/XXXX XXXX spoke to XXXX in the Escrow Department ID # XXXX ; who informed us that " we are responsible for this bill and Nationstar will not pay it! ". When we began to argue with her, she said this information will be investigated by the Escalation Department, and we will have a response in 3 days. No one has responded to us. 

Today, we called Nationstar, and asked for XXXX XXXX ( the man we were told to email ), no one knows who he is. 

Today we called Nationstar again, spoke to XXXX XXXX at XXXX in the Escrow Department XXXX who now asked us to fax all of our information, we agreed. 

As of today 's date, our utility bill remains unpaid since XXXX of XXXX. 

We have an escrow balance of {$4000.00}, yet our utility bill, which was always paid by our previous mortgage company, remains unpaid by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I reviewed my Experian credit report and there is XXXX unauthorized and fraudulent credit inquiries on my credit report that do not belong to me. The following unauthorized and fraudulent credit inquiries listed on my Experian credit report do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I want Experian to delete the unauthorized and fraudulent credit inquiries from my credit report immediately.

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 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
experian credit report has a list of accounts that are not mine nor have i ever had an account with. Also, when i print out the report the cover page doesnt have my name on it. It displays someone elses name. There is also a judgment out in my name and when i contact the company they say that they cant find me in their system and they searched their database using my name and SSN.

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 2016-05-01 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:
I am unable to receive a free credit report from either XXXX or Experian. I 'm under the impression that the verification questions are fraudulent and not allowing to view my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Outdated Tax Lein that was paid off before it went to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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 disputed fradulent inquries and accounts and they were not investigated properly and not removed from credit file

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 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested that Experian remove or reflect 'dispute resolved ' within my credit report with this bureau for a debt under XXXX XXXX XXXX XXXX XXXX. They never resolved my issue. I never disputed this debt and if I request that they remove a dispute inquiry or reflect resolved they should do their job in making sure that they fulfill my request within the 30-45 day investigation period.

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 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are XXXX employer address 's on my report that are in error ... ... XXXX XXXX XXXX is my ex wife 's new address and XXXX XXXX XXXX is a misprint ... ... ..the other is listed correctly as XXXX XXXX XXXX. I also have another issue, my exwife insisted on paying all bills and controlling all money issues. She was notorious for paying late. I am being unfairly rated due to her lack of maturity in bill paying. I would like to have my scores reflect my history on bill paying since our divorce ... ... .which was about 5 years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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 disputed a account with all XXXX credit bureaus for XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted 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 2015-10-29 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: KY

Complaint narrative:
they block me at every avenue even when I mailed in my request when my credit was denied they are using someone elses credit report in my info and wont give me a copy or change itt or allow me to file a dispute I seen the info at a place to get a car loan but I could not have there report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Received notice from IRS of a tax notice. Upon making payment, XXXX/XXXX/2010, there was a tax lien file. Unable to get an explanation from IRS and Experian as to why tax lien was filed on same day as payment.

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 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Department Experian.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following information that your company provided to Experian.com my Report number is XXXX on XX/XX/XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item XXXX Credit Account Number : XXXX .... 
Date Opened : XX/XX/XXXX Status : Transferred, closed. Account XXXX : XXXX ... Date Opened : XX/XX/XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XX/XX/XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. U.S department of education National payment center XXXX XXXX XXXX GA XXXX ( phoneXXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XX/XX/XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that Experian.com have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have one single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
University of Pennsylvania

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

Complaint narrative:
Experian is reporting a closed collection account on my credit file from XXXX, a collection agency from XXXX, NY, in the amount of {$1100.00} that should have been removed months ago. In XXXX of 2015, due to questionable delivery and notification of the debt and subsequent suit XXXX agreed to close the account and remove it from all XXXX of credit files. To date Experian has failed to remove the trade line. I have discussed this matter on several occasions with XXXX and they assure me that the trade line was coded for deletion and sent. They further say that the error is the fault of Experian. Experian is also making it difficult to dispute this item with them and have taken unreasonable steps to make my dispute even harder than it should be. Unlike the other big reporting agencies they denied my right to dispute the trade line by going on-line or faxing supporting documentation. They required a phone call, which I attempted to make at least a half dozen times only to be stonewalled by complicated phone menus and hold times in excess of twenty minutes. This is definitely an attempt to break the spirit of the federal collection dispute laws. This is unreasonable of them ; XXXX allow on-line or faxed disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I found XXXX issues on my credit report from Experian today, XX/XX/2016. I tried several times to submit disputes using their website but it timed out or just crashed each time I got the information logged. Finally the site stopped letting me attempt to log the disputes entirely. I called the number they directed me to XXXX.EXPERIAN and got some company who wanted to sell me credit monitoring services. I just want to get the items on my report fixed, thanks for your 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 explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is not a dispute of fraud, please DO not classify it as such. 

Experian is making changes to my record, with no substantiation for these changes. 

For this complaint, I assert that Experian is adding a " personal statement '' on my behalf, and without merit, and as a Fraud Statement. 

1. Experian - please provide your rational for adding the following statement to my report, because adding it without reasoning/documentation and on my behalf, is wholly inaccurate. 

2. After you have provided the reasoning for adding this details, delete this unsupported text. 

3. A screen shot of such verbiage, and from Experian 's website is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed my collections accounts with XXXX and Experian. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.

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 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I NEVER lived in California. I have demanded for them to remove the CA. listed. They will not do anything

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