vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
According to Experian I have incorrect names on my credit history as well as an account in collections with XXXX which was already paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX, I sent certified letter to dispute an inaccurate acct on my credit report. In XXXX I sent a fax with proof of inaccurate reporting. According to my understanding of the Fair Credit Reporting Act, their duty as creditors/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing these accounts 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 explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
experian and XXXX is repeatally sharing and opening old case that should bee close

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Did online dispute for Experian for XXXX XXXX as creditor I owe. I informed them the creditor listed was included in my Chapter XXXX bankruptcy. They refuse to update and sent back a correspondence that says the balance is correct, and the account is still pass due. i even forward a hard copy of Bankruptcy documentation. They still refuse to acknowledge and list the correct amount at the time the bankruptcy was file, and still listed for over 19 mos. since bankruptcy has been in effect. In below attached document was sent in which list all creditors. XXXX who represents XXXX XXXX still list debt as if I am not taking valid claim and is past due

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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:
The first issue is wrong address I never lived in XXXX Florida XXXX. I received this information through ExperianSecond issue is I never applied for an auto loan from XXXX the address is XXXX Fl XXXX and the date of the inquiry was XXXX XXXX, 2014 please correct that or call the consumer and find out how this got reported through my credit, I believe its an completely fraud somebody s using my social security and my name without my knowledgeThe third issue is XXXX XXXX Fl XXXX the date of the inquiry was XXXX XXXX,2014 I never was in this place I do n't know what their talking about do I need to contact the FBI?! 
PLEASE feel free to contact me at XXXX or email me a XXXXXXXXXXXX or write me at XXXX FL XXXXSSN # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, 2015XXXX : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. Experian Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. 

Since you now have acquired this inaccurate disputed account. I have never been notified by XXXX XXXX XXXX of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. I request an investigation for this re-inserted inaccurate account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Last year I had a collection from XXXX show up on my Experian credit report. The item was removed due to error by the collector XXXX This item has since reappeared on my Experian credit report even though it was already taken off once before. There is no basis for this collection, and it was already acknowledged to be erroneous. Experian failed to send me written me notification that this collection was being re-inserted into my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

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 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a 30 day late pay on XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After previously disputing these erroneous accounts, Experian still deemed the account ( s ) verified. I have no idea how " collection accounts '' can report " past due '' .. Although I never received proper validation, this was another mistake that stood out. They should have been removed from my report. Please see the attached documents

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 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Closed credit card account with a company called XXXX, paid account in full. XXXX sold off to XXXX Bank, which contacted me years later about closed account, I provided them with receipts showing closed account and payment of XXXX or so dollars. Was contacted in XX/XX/XXXX by collection agency and hounded about XXXX account, informed them that it was paid in XX/XX/XXXX. Was cursed and sworn at by guy at collection center and never heard from them again except by mail, I mailed back forms with dispute. XXXX found out thru Experian that I was given a charge off in XX/XX/XXXX with negative credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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:
Experian is denying my rights under the FCRA to dispute personal and account information. They continue to tell me they will not reinvestigate my dispute, but never complete the investigation to FCRA standards, i.e. Showing me proof of verification and how they verified these accounts and personal information. They have an incorrect name that is reporting on my credit file that needs to be taken off.

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 2015-07-08 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 attempted to dispute several accounts and inquiries on my credit report that do not belong to me with Experian since XXXX XXXX. I sent in my personal information such as my license with address on it. Not only did Experian not do any investigation on it, they sent me a notice stating that they thought this was a suspicious request and that they wanted me to call to identify myself. I went ahead and did what they asked. I called Experian and gave them all my identifying information as well as answered several of their security questions and after going through all of this I am asked what I want to dispute. I tell them about all the inquiries which are reporting on my report over the last 6 months and how they do not belong to me and I am wanting to dispute the validity of them. I am then told that they can not initiate any investigations on inquiries and that I would have to call the creditor myself .... 

I am no expert at laws but I have researched the F.C.R.A. and I know that they can not simply chose to ignore my investigation requests. I also am not happy that they are claiming they ca n't investigate inquiries or set them up for a dispute when I know they can. I feel that this is a form of discrimination because I am from XXXX and they are simply refusing to help me when this is something that I know they do on a daily basis for millions of other Americans. Please help me in getting Experian to do its job properly before I have to file a lawsuit against them for discrimination and their violation of F.C.R.A.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a retired XXXX from XXXX XXXX XXXX. When I retired, I elected to sell my residence at XXXX in XXXX and reside in XXXX with XXXX residence in XXXX. In XXXX, I had taken out a second mortgage on the property for {$100000.00} with XXXX Bank, now defunct, which I repaid in XXXX. On XX/XX/XXXX, when I closed on on the sale of the property I was told that Bank of America held a quit claim on the property, leaving me breathless. Althought the mortgsge had been repaid fourteen years earlier, I was told I could n't close unless I allowed Bank of America to hold roughly {$100000.00} at closing. My attorney has constantly tried to deal with them to no avail, trying to contact them perhaps more than a dozen times. To the best of my knowledge, only once were they willing to talk with him, telling him it may take as long as a year for them to find the title clearance in their records. We have repeatedly sought a resolution and they will not respond, in spite of it being more than a year. XXXX Bank was acquired by Lasalle National Bank, which was in turn acquired by Bank of America. In XXXX, Lasalle National Bank sent me a letter telling me they were closing their trust department and asked me if I would like a copy of their records, to which I responded in the affirmative. Accordingly, they sent their records via fax to the economics department at XXXX. Unfortunately, I assumed the matter was proforma and the title had been properly transferred, neglecting to notice that there was an active quit claim deed. I still have those documents. According to my attorney, Bank of America is n't claiming that I have not repaid the mortgage, only that their records do n't show the tile being cleared. Since three years after I repaid the mortgage the Lassalle documents showed it still had not been processed, they obviously wo n't find any record of the transfer. They say they wo n't return my money, which is being held in escrow at a title company, until they find the transfer. Both my attorney and the title company have tried to return my money through alternative means, but Bank of America simply wo n't cooperate. My friends who work at the federal Reserve and the SEC are utterly astounded at what has transpired. It has been more than a year and I am quite upset. It does n't seem to pertain directly to any of the categories below, but I am checking one so that I can proceed with this application.

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 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address.

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 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The information on my Experian credit report is out of date. Also, there are credit cards on my report that I have never ever had. I never had a XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
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 — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am trying to purchase a home and there are many accounts on my credit report that are still reporting negatively on my credit. I have tried disputing the items and hiring agency 's to help me resolved these negative inquires and accounts. I am yet to see any removal. Please assist as you are my last resort.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: CA

Complaint narrative:
OneTrust Home Loans is actually the fictitious business name of Calcon Mutual Mortgage, LLC, a XXXX LLC headed by CEO XXXX XXXX ( XXXX ) and his brother XXXX. On XXXX/XXXX/2016 I recieved a solicitation telemarketing call from one of the employees, XXXX XXXX from his personal cell phone at XXXX. I asked XXXX how he obtained my personal cell phone number. He stated that he got it off of one of the tax returns of his mortgage loan client. I was shocked. I said " seriously you got ta be kidding ''!!! He actually pilferred confidential information off of a clients tax return. XXXX!!! 

If you use these wierdos your privacy is gone forever. To steal information off of a clients tax return and use it for telemarketing is beyond bizarre, it is likely criminal. 

Now for the wind up ... my cell phone is on the do not call list. I am registered. These OneTrust guys can not be trusted with your information and they do not follow the laws. It is in fact a crime to violated 47 USC section 227. The crime is listed under 47 USC 501. It is also a crime to violate XXXX Business and Professions code 17200. 

I filed a complaint with the Department of Business Oversight. I doubt the government will do anything to stops these mental nutcases. But you can do one better, do n't use them tell your friends to not use them either. Protect your privacy and get rid of scum telemarketers, use a different mortgage lender to get your loan. 

If you want to tell XXXX what you think of his racketeering enterprise, then email him at XXXXXXXXXXXX. But be prepared to be chewed-out like he did to me. 

The headquarters is at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX, the borrower filed a paper application for consolidation with enrollment in the income based relief program was filed. In XXXX XXXX, Nelnet who was servicing the consolidation application wrote that a judgment in court prevented consolidation. In XXXX XXXX, the borrower contested the existence of a judgment with the attorney representing the XXXX XXXX. The attorney confirmed there was no judgment and informed Nelnet that there was no judgment. In XXXX of XXXX, the borrower called Nelnet to inform them that there was no judgment. Nelnet acknowledged that it was aware that that there was no judgmetn and said they would move forward with the application immediately. However, when no further information was forthcoming. the borrower called Nelnet XX/XX/XXXX. The borrower was told that Nelnet had failed to take the necessary internal action to move the application forward but that it would do so immediately. After another 6 months of silence, the borrower contacted Nelnet in XXXX XXXX. The borrower was told that Nelnet did not do anything in XX/XX/XXXX or XX/XX/XXXX and that his XXXX XXXX application was now " stale '' and a new application was needed. When the borrower pointed out that the fault was with Nelnet, not the borrower, for the application going stale, Nelnet said that was too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I went to the XXXX institute of XXXX for schooling in XXXX virginia. I have now learned that their is a lawsuit pending by the government against XXXX and their practices. I feel that i am part of the predatory lending as after going through repayment since 2011 i have noticed my loans ballooning ( specifically from my private loans not federal ) attached is current loan " payments '' and you will notice that even when im on interest only that my interest payments are not even covering the interest that is supposedly accrued making it into a ballon payment

Company response to consumer: Closed with explanation