vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 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:
I 've previously disputed the account below with XXXX XXXX. This is not my account. They are falsely " updating '' the accounts in efforts to report it on my credit report. XXXX XXXX previously removed this fraudulent account from my credit report only to re add it again, causing my credit score to drop XXXX+ points initially, and updates and reports it monthly causing an additional score drop! This is not my bill. I did n't live in CA during this time, I was in the state of Maryland. I pay all my bills. I filed a police report ( REPORT NUMBER : XXXX ), I 've done everything requested, yet they only remove it temporarily, have it added back and cause further damage to my credit reputation? It used to say it was going to fall off in XXXX, now XXXX? What kind of business practice is this?

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 2016-06-26 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:
Someone stole my personal information and identity. I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04 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 an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. i called sent emails and contacted the company and I 'm not getting any positive responses. i have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.

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 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filling this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. I have no knowledge of the account being reported on my report. 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. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. 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 explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Panorama Mortgage Group, LLC
State: GA

Complaint narrative:
Dear XXXX : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help. It still shows problems with accounting and presents more questions. 
I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full Venta Financial Group , Inc. - accounting, letter of transfer XXXX XXXX XXXX XXXX - accounting XXXX - accounting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We originally submitted complaint against B of A on XXXX Case number : XXXX, we are adding a new complaint. BofA has a history with us of making life difficult and trying to make us refinance, The first complaint we made was because they denied access to our account when we were one month behind and logged on to schedule payments and access gone. Since contacting your office and The XXXX we also spoke with Bof A and have been told Bank of America no longer services our account. No notice, we received our regular email your XXXX statement is available for viewing log on to access ... nothing by email, on the account page, or in regular postal mail NOTHING. When we spoke to them last night They said they can not even provide us an account number for this " New '' mortgage. We have been given nothing but a name and phone number. This behavior is just so ridiculous and it is OKAY? Shift our account around and deny access to try to make the account be two months behind? Then fail to provide documents or information who to or how to reach ... Will you address this issue better than the XXXX? XXXX Case opened XXXX case closed XXXX ... yeah I guess they say account closed then case closed. Does n't that make it convenient and easy for these banks to do these things. Nice how everyone says oh follow this link to counseling help and re finance options etc .... ALL WE WANTED TOP DO WAS PAY OUR MORTGAGE,

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 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
CFPB submitted Dispute # XXXX on my behalf, XXXX XXXX, 2016. 
The Dispute needed to be addressed by XX/XX/2016 to meet the FCRA dispute timeline requirements. 
It is now XXXX 2016. 
This is the SECOND instance of Experian failing to respond to Dispute Investigations, submitted by CFPB on my behalf, in a timely manner. 
The FCRA requires the accounts being disputed, to be deleted, if an investigation is not responded to in a timely manner.

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.

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 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX XXXX Special - XXXX County Special - XXXX County Special - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04 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:
My credit card from XXXX ( Account number XXXX XXXX XXXX XXXX ) was stolen in XXXX 2011 and reported to the police. I have the police report. I have contacted XXXX and submitted several documents, including the police report and statements from me and my wife, and they have refused to delete the negative information from their records and from Experian. XXXX XXXX and XXXX deleted the information, but Experian will not delete it without XXXX " signing off '' on it. Please help! I 've been trying to get this straightened out for over a year now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have reached out to Experian Credit Bureau by mail and by phone. Explaining to them that this account on my credit report are inaccurate. Such as follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had received several letters from XXXX XXXX XXXX XXXX XXXX agreeing to remove both accounts from my Experian Credit file. I have fax these letters to Experian multiple time now and the information is still reporting on my credit file. This has been a concern to me because when a consumer is being honest about different situations they go through with these credit agencies it seem like we still get XXXX. In other cases communicating with the credit agencies trying to stay on top of things one representative states they received my documents and talk to another and they claim they have n't receive 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 explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have submitted several disputes to Experian. Attached is the last letter that they sent to me. It lacks sufficient information to identify which dispute they are referring to. They did not identify the account I had disputed. They did not reference the date of my letter. They did not reference the report number that I had disputed. How am I to know what they are referring to? Experian is doing a very poor job of communicating. It appears that they do n't take disputes seriously and/or they do n't care about reporting only accurate information as required by the Fair Credit Reporting Act. This is very frustrating to someone who is trying to get inaccurate information corrected on their credit report. The CFPB should address such problems with Experian and get them to comply with the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX is an unauthorized inquiry that was reported XXXX XXXX, 2016.

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 2015-07-28 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:
This is a formal request to challenge the hard and soft inquiries on my Experian Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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 recently been informed that there is negative information reported by XXXX, XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Past Due 150 Days account closed. I am unaware of Past Due 150 Days Closed with this company. I contacted this company via certified mail asking for validation of the debt without a response over 45 days. 
Please validate this information with XXXX, XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX/XXXX/2016 Experian reported a duplicate XXXX credit card on my report which increased my XXXX score by XXXX points. On XXXX/XXXX/2016 this error was corrected and the duplicate account was removed but caused my XXXX score to drop by XXXX points. This inaccurate reporting and mistakes made by Experian has made it impossible for me to qualify for FHA home financing which requires XXXX or more XXXX score. my scores dropped from XXXX to XXXX due to errors made by Experian.

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 2015-12-03 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:
I have disputed this account via this website and have not received a response within the allowed timeframe. It was given 30 days to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX 2013 I decided to pull my Credit File/Report and discovered that XXXX accessed my Credit File unlawfully under the false pretends that I was attempting to get a 30 Year Mortgage with XXXX. At no time did I complete any type of Mortgage Application with XXXX to obtain a 30 Year Mortgage or any other Mortgage Company. 
I NEVER gave XXXX verbal or written 'CONSENT ' to access my Credit File and to share my Credit { Personal } Information with ANYONE including any XXXX Parties. I contacted XXXX on 'SEVERAL ' occasions asking them for their help and requested that they provide to me the documentation that they received from XXXX that gave them the 'AUTHORITY ' to access my Credit File. XXXX refused to provide me with copies of ANY TYPE of documentation. I sent correspondence to XXXX on several occasions requesting that they respond to my inquiries in writing, which they acknowledge receipt of my correspondence and provide me with their company 's forms/documents to complete, which I did and sent back to XXXX the completed documentation/forms via Certified Mail on at least two occasions but XXXX refused to respond back to me in writing ... complete SILENCE! They refused to provide any type of documentation to me regarding the matter. 
I also contacted 'State Agencies ' that have jurisdiction over XXXX regarding this matter, but was UNSUCCESSFUL with getting anyone to successfully ADDRESS my CONCERNS regarding this matter along with the XXXX violation of my 'Constitutional Rights ' and the complete invasion of my PRIVACY, not to mention their UNLAWFUL ... and THEIR UNETHICAL behavior. 
Since InterThink is in the 'Trade of Business ' I am also ALLEGING UNFAIR TRADE PRACTICES against XXXX for unlawfully accessing my Credit File without my CONSENT and SHARING my Credit Information to another 'Trade/Business ' that I did NOT give my CONSENT!

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 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian Credit Bureau is reporting incorrect information on my credit report for an old account from XXXX saying we are 120 days late as of XXXX XXXX. Last payment they say we paid was XXXX XXXX of XXXX, we never sent any payment to XXXX because this account was included in our Chapter XXXX bankruptcy in XXXX. The loan company at that time was XXXX that we made our payments too, and that we file bankruptcy against in XXXX, The loan was then strip/voided by the bankruptcy courts. This company is reporting false information, and hurting our credit reports. they have been updating with false information since XXXX when XXXX started helping us get our credit reports back in order. Since then we have had nothing but trouble from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had XXXX XXXX XXXX XXXX XXXX account that were opened XX/XX/XXXX paid off and closed XX/XX/XXXX. I had a very good history with the credit union in paying my accounts. At this time Experian Reporting Agency is reporting my account negative. I reached out to one of the Representative at Experian and they stated they were working on my investigation. I call back 2 weeks later and the Customer Service Representative stated that the investigations were completed and I will receive a copy of the report in the mail. I reached out and ask her about the XXXX XXXX XXXX XXXX accounts and she stated that they were removed from my reports. Around about 4 days later I received my reports and the XXXX XXXX XXXX XXXX account were still reporting negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all three reporting agencies that information they still are reporting XXXX accounts.

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