vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-22 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:
XXXX is reporting a collection account on my experian credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft

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 2017-01-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I made a balance transfer awhile back for a 0.0 % interest rate until XX/XX/XXXX with Bank of America. I owe {$7700.00} of XXXX on it. I have not used it for purchases for many years. I 've made payments by auto-deduction from BoA. I was stuck at the last minute for a business trip and bought an airline ticket, XX/XX/XXXX. As soon as I was reimbursed, I paid it to the credit card. Since then, I kept having missed payments, and the minimum payment was always very different. Today I made another call to them, and was told I have 10.49 % interest on my airline ticket purchase. I said I thought the payments went to the highest interest rates first. He told me since the government has changed the credit card regulations ( or something like that ) the opposite was true. Is this true?

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 2016-08-30 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 am filing 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 the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be 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 2016-07-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: R J Baucum Enterprises, Inc.
State: AR

Complaint narrative:
Sent out cease and desist phone call letter, along with request for full validation XXXX/XXXX/2016. Received harassing phone calls as recently as XXXX/XXXX/2016. They have yet to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Student loans are reporting late when they have always been on deferment..i have disputed with the bureaus and all XXXX have just ignored my dispute stating it is reporting correctly. I have a letter directly from fed loan servicing stating deferment and forbearance dates and they prove i should never be reporting late. Letter states beginning and ending dates of all deferment and forbearance on my accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I needed a credit report for a state bar application and I chose Experian. Their records were not current in some instances and so I submitted a dispute. This was resolved but the closure dates on XXXX accounts changed from the original date that each creditor had on record to the date of the dispute. I filed a second dispute to correct this issue and the dates merely changed to the date of the new dispute and did not reflect the original date of closure. For XXXX days from XXXX to XXXX I called Experian and the XXXX card companies getting conflicting information and endless blame shifting and stone-walling to correct a simple record-keeping error. The credit card companies also informed me that disputing inaccurate information would harm my appearance of creditworthiness! Experian refused to consider that both XXXX and XXXX had the correct dates and that the card companies had never changed these dates and had consistently reported the correct and original date of closure in all three instances. The changes were happening only at Experian and they gave me conflicting procedures on how to 'change the date back to the original date, ' a problem that only ever existed in their system. The card companies happily offered to send letters to me with the original dates, but could not send an update to Experian because their own records already reflected that they had sent the proper updates, including the original closure dates. There was no change to be made 'in fact ' only in the record keeping of this one reporting agency. Each time I spoke with Experian the procedure for fixing the issue changed. I only wanted accuracy and honesty for the benefit of my bar application. Little did I know I was harming my credit by filing disputes on long since closed and good credit accounts. This is an ongoing Orwellian nightmare, and if it is not soon resolved it may harm my bar application process!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
BBT has a hold on my account for no reason.

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 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is a address for : XXXX XXXX XXXX, MI XXXX However this address does not belong to me or have I ever lived there. This is a home to my father and mother and my father and I have the same name, but i have no ties to this property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XXXX XXXX, I went to the Experian website to remove a freeze that I had previously placed on my credit report after XXXX got hacked. The number associated with that freeze is XXXX. I entered my debit card info for the {$10.00} charge to remove a freeze. Experian then charged my account XXXX separate times at {$10.00} each. I have been unable to get a response via phone ( interminable hold for an agent ) or via customersupport@experian.com.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently pulled my credit reports after being denied credit and found several accounts that were not mine. I put a Fraud Alert on my credit report with the XXXX main credit reporting agencies. I then sent a letter to XXXX XXXX XXXX on XXXX XXXX, 2015 who are listed as collecting for XXXX. I requested proof that this accounts belongs to me and copies of any documents showing my signature where I agreed to pay this card. I have received NO response from XXXX XXXX XXXX. It has been well over 30 days now without a response. I am demanding proof of my signature on a contract saying I would be liable for this account. They can not continue to ignore my request, nor can they simply say that because someone with my name who got ahold of my SS # and opened an account under my name makes me responsible. I am demanding that they delete this incorrect account from my credit report with the XXXX big credit reporting agencies immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian disregards without conscience disputes initiated by its consumers under FCRA. After submitting additional documentation regarding public records several employees specifically " XXXX '' and " XXXX '' under XXXX XXXX negligently handled my dispute. I sent documented proof in support of my claim over a month prior and XXXX specifically stated the information is still located in the mailroom. Furthermore, Sup. XXXX allegedly went to retrieve said documents in a followup phone call only to dismiss the relevance by a reckless " Experian Policy ''. That is, ignore your claim and tell you anything whether you believe it or not. Well, I believe we need to have a sitdown at a proper venue.

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 — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, WRITTEN LETTER STATING THEY WILL REMOVE THE INQUIRY WHEN EXPERIAN IS DISPUTED. I HAVE DISPUTED ALREADY, EXPERIAN REFUSES!!! ( SEE ATTACHED LETTER )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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:
Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 Credit Report Toolkit : Print your report Credit Education Know your rights Credit Fraud Center

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 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have called and spoken to approximately XXXX people at XXXX to dispute an account from them that is listed on my credit report through them. It states that I closed the account and it went to collections, and that I still owe {$270.00}. I have never closed my account with them, the account number listed is not even an account number that they have. They have confirmed orally to me that I do not owe them any money, and have an active open account. They will not remove it because they tell me that they did not report it. It clearly shows that XXXX reported it though.

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 2016-12-05 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:
Please assist me in removing addresses that do not or did not belong to me. I have disputed this matter several times with Experian and they have not removed these inaccurate addresses from my credit file. 
Addresses : 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 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN CREDIT REPORTING AGENCY WILL NOT REMOVE INFORMATION THAT IS TOO OLD TO BE ON FILE. I HAVE DISPUTED RECENTLY AND THEY HAVE REFUSED TO REMOVE IT

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 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not able to reach Experian over the phone and not allowed to access my report online.I have disputed judgement that has been vacated, and I have documentation for a car loan that was dismissed in court. I want these items removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 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 checked my Experian Report and Found a collection account from XXXX or XXXX, I notified both XXXX and Experian that these are Fraud and asked Experian to block this account under FCRA Section 605B and 623 ( a ) ( 6 ). Experian failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 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:
Experian has XXXX credit inquiries on my credit report. which is not correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Experian regarding this matter On XXXX XXXX 2015, there response that was this information was verified

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I dispute this being on mycredit report, due to I wasmiss lead at the time thishappen. They lied to meand have treated meunfairly ever since. I triedto make payments andthey were charging memore interest than Icould pay. In 2011 I fileda complaint with XXXX XXXX Complaint # XXXX. Please removethis from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX TN, XXXX XXXX Account number # XXXX No contract or no signature

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 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed in last month, XX/XX/XXXX, that our time share company showed up on our credit report and with payment history. Cool, I have no problem except when I looked at it I noticed late payments! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XX/XX/XXXX XX/XX/XXXX ) hows late XXXX days. I have made all my payments and currently I 'm working to get a mortgage and this is how I found out. They showed me and no I ca n't get a house. This was not on my credit over month ago and suddenly it shows. Experian is reporting inaccurately. I sent them a letter last month disputing this account and no response. I 'm desperately trying to figure out an easier way but it does n't matter bc it 's impossible to get ahold of someone there without waiting and then when you do wait and someone picks up.. they seem over confused and barely speak english. Hopefully this will bring me some relief. thank you

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 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I purchased a car on XXXX XXXX, 2014 from XXXX XXXX in XXXX, IL. I received a contract and drove off with the car that day. On XXXX XXXX, and XXXX XXXX, XXXX decided to run my credit report again to the same finance companies creating a total of XXXX inquiries on my credit report, since I bought the car on XXXX XXXX, 2014. I never gave permission for XXXX to run my credit again and for what. When I explained this to the credit bureau, XXXX XXXX, XXXX, and Experian, they informed me that hard inquiries ca n't be removed, because they were done by the consumer or credit holder. I was very upset, because I never authorized or give permission to those finance companies or XXXX to run my credit on XXXX XXXX, or XXXX XXXX, 2014. My credit score has dropped over XXXX points because of this. When I told XXXX, they said well we were trying to find a different 'finance company, if XXXX XXXX had approved me. I asked them to have it removed in XXXX, but they said I needed to dispute it with the credit bureau. Now I 'm back to here. I ca n't dispute it with the credit bureau, because they wo n't let me. They state that it is a hard inquiry so I ca n't dispute it. Can you please investigate? In the Experian report on pages XXXX shows the inquirees. Please notice the dates for XXXX, 2014 and the multiple inquiries. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is incomplete, outdated, and incorrect information reported on accounts that are reported closed. The accounts are : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am unable to log in to the XXXX website : XXXX. I attempt to reset my password ; but, it tells me that one of my security information questions is incorrect ; which it is not ( the model of my first car ). Their reply was : Our records indicate the security questions you are prompted to answer are based on the bureau information provided by Experian. Should you feel the answers are incorrect we would suggest you contact Experian to discuss the responses. The may be reached at ( XXXX ) XXXX. Their website also states this number to speak to a representative, which there is no option through their IVR. That is inexcusable. Flat out, they are reporting the model of my first car on my public record as inaccurate and I need it fixed! I need to have someone from Experian call me to fix 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 explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The XXXX XXXX ( California ) Recorder shows a massive owed debt on my credit report, for XX/XX/XXXX and XX/XX/XXXX. 

I did live in XXXX during some of this time, but I was not working the entire time ( 2 months one year, then XXXX the next at a XXXX company ) both times as a employee making roughly median wage there. The amount they claim i owe is substantial, over XXXX and XXXX for each year. 

I have contacted the XXXX recorder 's office, and they have NO documentation about this at all, and do not understand how i could possible owe the amount claimed. As they are unable to provide ANY paperwork backing up this claim, i 'd like it removed from my credit reports. Experian and etc do n't make this easy as it 's a government entity on my report, not some bank. 

What can I do? They ca n't or wo n't send me anything showing how i owe this debt I know I do not owe.

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