vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had an account with a company called XXXX XXXX XXXX for monitoring an alarm service at my home. Everything was fine and I had automatic withdrawals from the bank account I had at the time. Once my home was in escrow, I called XXXX XXXX XXXX and made my final payment. They told me nothing else was needed to close the account and I was in good standing. I did not purchase any equipment from them, nor did I live in the home. A few months later I got a bill in the mail. I called to inquire about it and again they told me it was resolved. Several months passed and I received another bill for an outrageous amount. I called again and they told me that I did not cancel my contract and that I have to pay for a service whether I lived in the home or not. I offered to pay a portion of it out of good faith if they sent me a final bill with a cancelation policy and the account manager " XXXX XXXX '' told me no. In his words " black mail my credit '' if I did n't pay 36 months of payments ( I only signed up for 21 months ). I refused and called again to speak to someone above him which I was denied my request. After I requested to be contacted via email so I can have a document of everything he was staying. I asked for a contract stating where I signed up for all of this and they provided a contract. The amount of months my contract was for was crossed out in pen and re-written and they added to months to it, with no initial or signature indicating that I was in agreement with them. In fact I never gave them my social sec #. Also I found it strange that when they sent me a copy, under my signature shows a cut off signature of whoever " Accepted/signed '' the contract and it has a complete different date on it. SO pretty much you sign a contract, then they modify and resign at another date and tell you that you owe them money. I was upset and I told them I am sorry I can not pay money for something I did not ask for. Two years later I look at my credit report and there it is. This is unfair and unjust. I have went on social media to post a negative review to warn other potential victims, also gave them a review on yelp. The more research I have done I noticed that there are many more people who are in the same situation and worse. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying to go onto Experian website to file a dispute. However, the dispute page does not load. When I phone Experian, I can not speak with anyone to get get help form the company, so I can file my dispute.

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 2016-06-04 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:
I went online to the site where you order your free yearly credit reports, as required by law. Both XXXX and XXXX complied immediately online with no problems. Experian, however, did not, and has yet to provide my yearly credit report. Additionally, I have gotten at least XXXX negative credit rejections within the past 4-6 weeks, all based on information provided by " Experian '', of course, so I can not even see what they are reporting. This is unfair, and they should have to comply the same as XXXX and XXXX. Please help me get my credit report from Experian. 
Thank you for your anticipated assistance, Sincerely, 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 non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: CT

Complaint narrative:
I had taken out a loan in 2005 with XXXX XXXX XXXX. I paid off the debt and never heard from them again. They started calling my family members ( they must have looked up similar last names in my town ) and have repeatedly called my father, grandparents, XXXX, and XXXX trying to obtain information. I received the message from my father and contacted the company. The representative stated I owed money to them, and that I would face arrest or lawsuit, wage garnishment if I did not pay a few hundred dollars at that time. I advised the representative that I did not owe the company money, and to stop calling my house and family or else I would contact an attorney. I did not hear anything from them again for 6 months. I assumed that I had made myself completely clear. My father contacted me this evening and advised me that he and my family all received calls again in the past week. This time, they say they are from optimum outcomes inc. The representative that I spoke with asked for the last XXXX of my social security number so she could connect me to the collector. I refused, but said that she could forward me to the collector at which time she said no. Not until I gave her my info. I told her at that time, I would have my attorney contact them, as I did not have to supply my personal information without her identifying who they were and where they were from. She had been able to access my information originally simply from my phone number, she knew who I was, she did not require my information, but I wanted to know who I was speaking with. She then began to talk over me with a raised voice, would not let me finish my statement, and then she hung up on me. Within 5 minutes, I received a phone call from a different number, and an automated voice mail stated it was a debt collector and advised that their name was optimum outcomes inc. 
I am unsure if these are XXXX separate scams that are being run, however I find it interesting that they both contacted the same relatives. 
I want these people to stop calling me. If they feel that they have a legitimate issue, I would like the information mailed to me in writing so that I may verify its validity. I do not want them calling my phone, my work phone ( have n't called but I want to specify, and of my family members. No one. They harass us, they call over and over and do not leave messages. They call at 8XXXX and on Sunday 's. No more. Please tell them to cease contact and mail me the specifics. 
I am more than willing to review information, if any, but I will not release monies to them on demand or tolerate threats of any type. I want physical documentation. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My wife and I both have initiated disputes with Experian over the last couple month 's in regards to a TAX LIEN that has been paid. They sent us documentation stating that they need more time to verify. Experian has been given more then the time allowed under Federal Law. I have a document from the court stating that they DO NOT VERIFY information with Experian or any other credit reporting agency, also the letter shows the TAX LIEN as PAID. Please assist in getting this updated. We have exhausted all efforts and are considering filing a civil lawsuit with the assistance of our attorney. 

All we want is for the Tax Lien to show paid so we can move on with our lives. 

Thank you so much CFPB!

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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is continuing to report incorrect personal information on my credit report that I have disputed numerous times. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX NJ 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 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX County Reg XXXX. Too old to be on file please delete.

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 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Public tax liens that have been investigated and deemed resolved and released, still remain on my credit reports for all XXXX agencies. XXXX for XXXX for the State of Maryland ( paid ) and another for XXXX for the state of Maryland ( Deemed inaccurate ) released XXXX months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be 7 years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
agency posted against my credit report with no prior attempts at contact. Reported against XXXX different bureaus using XXXX different names " ONLINE COLLECTIONS XXXX '', XXXX and " ONLINE IN XXXX '', XXXX. 
They reference an original creditor, " XXXX XXXX XXXX '', with an account open date " XX/XX/XXXX '' and last reported date " XX/XX/XXXX ''. 

I have not lived in Florida since XXXX. 

After disputing the claims against my credit report, one of them dropped off on XX/XX/XXXX, 7 days after I filed the dispute. The agency then proceeded to re-post the same thing against my report again, today on XX/XX/XXXX. 

While it 's possible that " XXXX '' may have sent " bad data '' to this agency or someone may have used my information to open this account, that is all irrelevant as they have violated the law by failing to contact me, in writing before making any claims against my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I constantly call this company to remove credit inquiry 's that I did not make for a credit cards and a car loan. I did not apply for a XXXX XXXX XXXX card or a XXXX XXXX credit card. I 've tried and tried to resolve this with there XXXX customer service department and to no avail nothing gets done!!!! I also have a inquiry from XXXX I did not authorize this inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 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: GA

Complaint narrative:
I was denied online a copy of my credit report as they said they could not verify my identity ( I believe this is due to confusion with my son 's Texas address which appears to be reported as an address I have lived at [ I have not lived there ever ). I filled out their mail form as requested. I got back a response again asking me to verify my information with full name, SS #, complete addresses for the past 2 years, DOB, copy of driver 's license, and a copy of a recent utility bill. I responded again by using their required form, sending them a photocopy of my current Georgia drivers license, a photocopy of my social security card, a photocopy of my current electric bill, and on thier required form my addresses for the past 5 years, my SS #, full name, & DOB. As a response, I got back the SAME canned form asking for the same identification information again! 
What did they do with the photocopies of my drivers license, social security card, electric bill and other information? I provided each item on their list and checked it off, and even sent back the list with the required information to show I had provided it. I also stamped my current name and address on the front & back of each submitted item, so if it got separated it could be easily identified. What has happened to my information that I submitted to EXPERIAN? Why can they not get this corrected? I feel like I am in an infinite loop! My credit card was recently hacked and I need to see my report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I disputed this account numerous to time to no avail. Experian has not sent me information stating how they verified that this account is mine. I called and they said the company had send them verification which is my name, date of birth, and address. They have not properly investigated this account. I disputed the account XXXX more time on XXXX XXXX, 2015 and I just pilled my credit report and it states : this item was updated from our processing of our your dispute in XXXX 2015. I disputed this account on XXXX XXXX, 2015 and today is XXXX XXXX at XXXX. How can they claim the response came from a dispute in XXXX and give me such a fast response. I believe experian did not do a full investigation on my dispute.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates
State: GA

Complaint narrative:
The collection agency is sending false information about a debt to the credit beauros. They are not providing enough info related to my debt that they are trying to collect. I sent a dispute letter to this collection agency asking them to verify the debt but the company is sending their computer screenshots and saying that its a valid debt. 

I contacted the the supposed original creditor XXXX and they acknoledged that the debt shouldnt have been reported in the first place. I got a call from XXXX saying that they would delete this negative item from my credit report and they promptly removed it. 

On the other hand, LJ Ross is reporting this debt as a deliquent account and hurting my credit. This js absolutly unacceptable. They would need to contact XXXX regarding this debt and verify the validity of this debt and remove this item from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A Collection Debt has been on my Experian Credit Report for over 13 years. I have asked it be removed in the past and Experian has responded by changing the " Open Date '' to make the debt seem current. This has happened several times. As of today, the debt still remains as a collection debt on my report with an open date of XXXX even though Experian has been reporting this collection debt since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I closed the XXXX XXXX credit card after someone had changed the personal information ( Address, Login, and Password ) on the account. I paid a balance I had not charged just to get the card closed. XXXX XXXX accepted more charges after the card was closed and have sent it to collection. I have tried working with the collection agency, XXXX XXXX and Experian to no avail. They say that I lived at the Pennsylvania address the charges are attached to. I have never lived in Pennsylvania. You can see by the payment history reported to the credit bureau that everything was perfect to the date I closed the account, XX/XX/XXXX. They still reported the account in good standing for XX/XX/XXXX. Then " No Data '' for XX/XX/XXXX. Then it shows " Charged Off ''. There is no data for XX/XX/XXXX because the account was closed. The charges were incurred after the account was closed and XXXX XXXX, XXXX, and Experian refuse to correct the error and remove this from my credit report. Attached are the Investigation results and correspondence with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25 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:
EXPERIAN REFUSES TO RE-INVESTIGATE RE-AGED ACCTS ( PROOF UPLOADED ) EXPERIAN ALLOWS WITH IMPUNITY A CREDITOR TO RE-AGE ( PROOF ENCLOSED ) ITEM XXXX XXXX XXXX MUST LIST A DATE OF FIRST DELINQUENCY ON A CHARGED OFF XXXX DOFD IS XX/XX/XXXX ; THE DATE OF LAST PYMT IS XX/XX/XXXX. 
7 YEARS WILL EXPIRE FROM DOFD ON XX/XX/XXXX.CREDITOR MUST DELIVER COMPLETE ACCOUNT INFORMATION SO AS TO DETERMINE 7 YEARS AND PREVENT RE-AGING, AN ILLEGAL PRACTICE OF CREDITORS.EXPERIAN HAS A LEGAL DUTY TO NOT COLLUDE WITH CREDITOR IN RE-AGING BY DEMANDING COMPLETE INFO.FROM CREDITOR OR DELETING ACCT.THAT IS THE DUTY OF EXPERIAN ACCORDING TO FCRA. 
XXXX XXXX XXXX XXXX REPORTS ( # XXXX ) AS A COLLECTION IN XXXX XXXX, REPORTS PAID CLOSED IN XX/XX/XXXX.THEIR PREVIOUS REPORT UPLOADED IN CFPB XXXX SHOWS A XX/XX/XXXX PAID IN FULL STATUS.THIS DENOTES RE-AGING. 
THE PROOF IS ON THE FACE OF THE RECORD, EXPERIAN MUST DELETE AS CREDITOR HAS VERIFIED XXXX DIFFERENT DATES THAT BOTH CAN NOT BE TRUE. 
IT IS AMPLE EVIDENCE OF RE-AGING.

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 2015-09-16 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:
U.S Postal Certified Mail No : XXXX, FL XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. P A XXXXXXXX, 2015RE : XXXXREQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Florida Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed this item several times XXXX XXXX XXXX XXXX This account has a XXXX that is past 7 years old. Experian is violating my rights and violating the FCRA laws. Please help assist me with this complaint. My next action if not resolved will be contact my local State Attorney Generals office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief