vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-22 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:
I disputed the accounts with Experian in which Experian corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX XXXX & XXXX XXXX regarding the alleged accounts. Experian was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditors XXXX XXXX XXXX or XXXX XXXX can not validate the alleged debts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XXXX/XXXX/15, the payment due on XXXX was paid on XXXX/XXXX/15, the payment due on XXXX was paid on XXXX/XXXX/15 and the payment due on XXXX was paid on XXXX/XXXX/15

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 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:
I have a XXXX XXXX XXXX XXXX dispute on credit report. This was ID theft. I sent bank and credit reporting company a copy of sworn statement. I sent this statement prior to this being posted to my report and it was still posted by bank. I should not be held responsible for something I did not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to post a public record that does not belong to me, they shows it as remaining, and have not followed up with the XXXX County Record of Deed, they do not have a tax lien for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complain because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed.please resolve this manner as soon as possible. thank you Note : the attached document part of my credit report that i have revived from Experian and it has multiple errors in my personal info that i have disputed but they kept it on my 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 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company XXXX just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.

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 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Up until recently ( XX/XX/2015 ) I was a member of the Experian bureau 's online credit tracking. For the past 3 years, I used the site as a measure to help work on my credit. When I first started, based on the credit tracker, my credit score was XXXX. This site provided a great resource in showing what accounts were negative or what kept my credit score low. As I began to work on my credit, based on the report provided by Experian 's online credit tracking, I started to see improvements in the score it provided. Now 3 years later ( XX/XX/2015 ), based on the site, I have a credit score of XXXX. I felt comfortable with the progress I made and used the information ( Credit Score ) the site provided to determine whether or not to apply for loans and credit cards. I recently applied for a Small Business line of credit with XXXX XXXX. Unfortunately, I was denied due to my credit score. Once I heard the news I was shocked. Then I received the letter from XXXX XXXX saying that my credit score reported from Experian was a XXXX! In disbelief, I checked to see what my score was around the time XXXX XXXX pulled my report. XXXX XXXX pulled my report on XX/XX/2015. I did n't pull my report on XX/XX/2015. But I did pull it on XX/XX/2015 and again on XX/XX/2015. On both dates, my score as reported by Experian was XXXX. I would like Experian investigated for providing false information or for misrepresenting their online service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX is reporting a collection on a debt that is not mine I have been fighting them thru CFPB with no solution yet they have failed to validate debt with FDCPA guidelines and this is now on 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 2016-05-29 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: KS

Complaint narrative:
I was just hired on to a job. My employer was doing my background check when they informed me there was a different name tied to my social security number! I went to the annual credit report website to obtain my reports but the website would NOT let me view them due to 'discrepencies ' with my social security number! I need a copy of my report so that I can view it and file a police report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed a second dispute letter and proof of payment ( a copy of my money order ) to Experian on XXXX XXXX, 2017 for the collection reported from XXXX XXXX XXXX. Acct # XXXX for a balance of {$310.00}. I advised that I paid the apartment complex directly and found a copy of the money order that I gave to the manager and she cashed it. I was a previous employee at the apartment complex and the manager did not notify of the balance per lease contract within 15 days. She mailed it out over 30 days later. Once I received it, I paid it. Experian sent a letter today, XXXX XXXX that it is reporting correctly and it is not. In fact, I submitted the same to another credit bureau, they investigated, and deleted this item. It should not be reporting on my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have lived at XXXX XXXX XXXX for XXXX yrs there r judgements on my credit report from different addresses that I never and couldnt have lived at. These do not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
What you are doing Experian is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Experian, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Experian you are reporting XXXX XXXX XXXX student loans that are more than 10 years old ( from the original delinquency date ) and these accounts are negatively impacting my credit score and decisions of lenders, including the REMARKS IN THE ACOUNTS. 

These are my 2 requests : ( 1 ) Remove XXXX XXXX XXXX student loans from my credit report now ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of XXXX XXXX XXXX XXXX loan accounts ; send the ORIGINAL DELINQUENCY DATES to either my email address on file with ConsumerFinanceGroup.gov or my mailing address on file with ConsumerFinanceGroup.gov or through an electronic online file at your website that I can access. That information is not my right, but if it has been less than 10 years from the original delinquency date, I will withdraw my requests. Those dates are imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Experian for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing information in my credit file with Experian and they fail to update and remove old information in my file. FACTA and FCRA state that negative information may only be listed for a period of 7 years. All information that is negative is to be removed or deleted after that time. There are items in my file that are older than 7 years. According to FACTA and FCRA 7 years is from the first reported delinquency date. There are items from 2009 still being reported on my file. I am given the run around with Experian. I dispute via snail mail and am sent letters stating that my inquiry is suspicious and I have to dispute online, I dispute on line and never receive anything via email or snail mail, when I log back on line its simply updated investigation closed. Pretty much Experian is not doing anything other than giving me the run around. I have informed Experian that I have contacted my states Office of Attorney General and they statute of limitation has expired, also the legal reporting period to be in my file has also expired and the information must be removed. Experian is in violation of 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 explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received notification that one of my credit cards were over-utilized and Experian dropped my score by about XXXX points. It was in fact my son 's credit card and Experian put that on my profile. After disputing it, Experian deleted it but never put the points back. I called them on numerous times and every time was disconnected by Experian when requesting to speak to a supervisor. Also found numerous phone numbers and even employer names that do not belong to me.

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 2016-04-30 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:
I 've disputed several inaccuracies on my credit report due to identity theft and they were not investigated properly. I 've given copies of my police reports in the past and I am not sure they are seeing or using them.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account not reporting correctly. Account is reporting past the terms allow. Account is updated with new information & dates to justify longer terms. Reporting inaccuracies and not making correction instead it states verified.

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 2017-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: ID

Complaint narrative:
I notified PENN Credit that the debt did not belong to me. I have asked them to stop calling several times. They call at all hours of the night including Sundays. Sometimes multiple time per day. Phone line they are calling is not 100 % mine to use and there also disturbing and harassing others in the house. Penn Credit CorpXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I have two issues with One Main Financial. First, I applied for a deferment in XXXX 2016 with the Branch Manager and was under the impression the deferment was approved and was given paperwork stating that my next payment would be XXXX/XXXX/2016. After that date, I was told my deferment was not approved and I needed to make a payment. In late XXXX 2016, I was told I could refinance the loan and was asked if they could run my credit. I agreed and about 4 questions later, I was asked my work phone number that I did not have available at that time. I thought that since I did not call them back with my work number and I paid the past due amount, the loan would not be processed. Last week, I received a call asking if I still wanted to process the loan and I said " no. '' The same day, I also received a letter from One Main indicating they had processed my loan anyway. Today, I got a denial letter from them. 

My questions are, how can they process an incomplete application which I asked them not to process? 

Also, how can they give me paperwork indicating my initial deferment was approved and then say it was n't after the due date and then demand money? 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: NV

Complaint narrative:
Opened a payday loan with Cash Call in XXXX paid on the loan until I lost my job in XXXX. Informed Cash Call that I had lost my job and was un-employed and displaced. Per original attorney ( who is now deceased ) account was closed. A new attorney has purchased the debt and has re-opened accounts and is garnishing my wages. I have not been served with any paper work from XXXX to XXXX. I need to know how to proceed. Thank you

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 explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I currently have XXXX companies trying to collect on XXXX single debt. I have contacted both companies and they both say they currently own the debt. The debt is from an old apartment lease. XXXX company is XXXX and say I owe {$1000.00}. The other company is NATLCRSYS and say I owe {$910.00}. They both claim it is for XXXX. I have contacted XXXX and they have taken over new management and can not even locate the original debt or who they originally sold it to. I want to pay off this debt but I need to know who actually owns it. I have reached out to all parties, and they are not interested In helping they just try to get me to pay. But again I do not want to pay the wrong company what I owe. I have disputed both claims with XXXX, because obviously XXXX claim is incorrect but even XXXX said both were legitimate claims.. which is impossible. Can you please help me?

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 explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit XXXX XXXX XXXX XXXX XXXX, Pa. XXXX Ph. # XXXX, has been calling me about a medical debt they say I owe. On XXXX/XXXX/15 I sent them a debt validation letter requesting proof of debt, I also requested in the certified letter that they no longer make phone calls to my home, work, cell, or any third party. Penn Credit received and signed for the certified letter on XX/XX/2015.Now my XXXX year old mother is receiving phone calls from them looking for me. Penn Credit has all my information and their is no need to call anyone else. She received these calls beginning XXXX/XXXX/15, over 40 days after they received my letter. The certified letter number is XXXX XXXX XXXX XXXX XXXX. When I called Penn Credit I was hung up on by one of their associates after I was told it was MY JOB to call the original creditor to dispute the charge NOT THEIRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from NATIONAL CREDIT SYSTEM I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NATIONAL CREDIT SYSTEM in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Services is showing on my XXXX Report that I still owe {$440.00} to XXXX XXXX. There was a separate negative account showing on my Credit Report XXXX XXXX that controls XXXX XXXX that was satisfied and dismissed thru XXXX County Magistrate Office File number XXXX I contacted National Credit Services that this collection they are attempting to collect was dismissed and satisfied from XXXX County Court They have refused to verify and remove from my credit report they keep saying it is my responsibility to prove my case I believe I have done so with the report number being given to them and with XXXX credit bureau XXXX did nothing but remove XXXX XXXX Courts showing the account was satisfied that collection was showing XXXX XXXX and the National Credit Service shows XXXX XXXX -- - They are both the same company This collection is having negative effects on me I have proven my case but no one wants to remove this my credit report

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 explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was force to move out my apt early because the neighbor would complain about my visitors so I did and I pay my last month rent but than I check my credit and they charge me {$940.00} never sent me a letter in the mail for what these charges were for so when I called they said I owe this amount and I asked how if I pay my rent for the 30days I was there because they made me moved and I did n't even get evicted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation