vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-06 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:
6 months ago I discovered that I was a victim of identity theft and therefore I disputed XXXX accounts with the XXXX major credit agencies. XXXX and XXXX did comply with my investigation however, experian has not. I am requesting that they comply with my demand under the fair credit reporting act. I have submitted a notarized affidavit, police report and my request to move these 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
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
XXXX To XXXX XX/XX/XXXX at XXXX, MD XXXX P : XXXX XXXX, NC XXXX F : XXXX XXXX. 

XXXX, Attorney at Law XXXX, NC XXXX Urgent! 
RE : Attorney File : XXXX. 

Dear XXXX Thank you for your letter. I have no desire not to pay appropriate expenses including legal expenses related to my loans with the First Citizens Bank and Trust Company. 

I have been asking XXXX to provide me with the itemized bills from your institution and so far he has refused to do so citing, they are privileged documents. 

I have been a loyal customer and have been dealing with this institution for almost 20 years with excellent payment history until the bank changed its policy of renewing the notes and loans every 2 years and suddenly demanded almost XXXX dollars at once because my X spouse refused to sign the documents, even after court orders. This was compounded by XXXX failure to inform my current wife 's requirement to sign the documents either to me or to her beforehand. Once the shock was over and she agreed tosign the documents, XXXX promised to send the documents for our signing but failed to keep his promise, even though my current wife postponed her overseas travel by several days paying penalties to the airlines. Had that been done I did not have to go through XXXX and all these missteps. 

I have always cooperated with the bank to the best of my abilities and paying down the notes and loans, since the dust has settled and will continue to do that. 

XXXX on the other hand has on many occasions has been inconsistent, arrogant and grossly unprofessional and has played significant roles in these matters. He has never given me credit for consistent cooperations in this matter. Neither has he acknowledged my prior payment history for many many years.For example, he has commented that he would take over my XXXX, that I should go to another bank etc. etc. He even wrote derogatory letters when we both agreed to cancel the credit cards. I can give many other examples. 

We think the incidental expenses, home appraisal, legal etc. may be excessive and need clarifications. ( including payments made in these regards ). 

Please, do not hesitate to contact me if you have any questions. 

Your very truly, XXXX. 

CC : XXXX and CEO The First Citizens Bank and Trust Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have subscribe to Experian 's CreditCheck Monitoring service for years. Included in this product, I get monthly access to my credit score ( all XXXX credit scores ). This whole time, I believed my credit score to be in the mid to upper XXXX. However, when I recently applied for a credit card, I received a copy of my score from the bank. It was much lower than what is reported by the Experian CreditCheck Monitoring program. I believe Experian 's service is misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
was opened on XXXX XXXX XXXX and closed in XXXX XXXX XXXX by XXXX credit card. This account was defaulted and was reported to IRS which i have paid off through my Tax filling. Now even though the account is closed and resolved. This account has continued to show on my record. This account should be removed from my record entirely.

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 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX addresses are not mine : Address : XXXX XXXX XXXX, NY XXXXXXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXXXXXXThe above address was where my ex-wife ran away with the man she had an affair with after our divorce. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is my employment business address, not a single family home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over 1 year and 7 months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. XXXX nor XXXX nor Experian are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.

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 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a XXXX XXXX XXXX XXXX credit card account showing a open balance. This account was paid in full in XXXX 2014 and closed.

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 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I informed the XXXX credit Bureaus that XXXX accounts on my credit was not mine and to provide me proof or immediately delete the accounts, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. The XXXX accounts I demanded deleted were Prosper Market Place XXXX Unverified Account and XXXX Bank XXXX Unverified Account the credit Bureaus have not done so and have not deleted these 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 non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I requests my creditor to remove 30 days late on my credit report because I had medical issues and I was struggle at the time with payments. I understand is was my responsibility but for long time I was a very good customer with a perfect credit. I have documents that sustain my medical history. however there response was that they can not make changes and I believe they have the power to do so please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The creditor on my file uses a bi-weekly business model rather than a month to month business model. I contacted Experian to dispute the account reporting of this creditor. The account status was reported as repossessed/never late. I asked for an explanation of this item and Experian stated it would investigate the account status. After conducting their investigation, Experian permitted the creditor to update the status to repossession. The creditor was also permitted to updated the account activities as a repossession in XXXX XXXX and in XXXX XXXX. The creditor was permitted to updated the account activities as a charge-off in XXXX XXXX and XXXX XXXX. The creditor has been permitted to update the account activities as if the events took place over a six month time period when in fact the activities took place over a 31 day time period. The account was opened in XXXX XXXX, not XXXX XXXX. The vehicle was repossessed 31 days after the account was opened and was not late. The creditor was permitted to report fraudulent and inaccurate information after conducting their investigation.

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 2016-04-29 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: PA

Complaint narrative:
First I have XXXX inquiry 's on all my credit reports. And half of those are shown up to 12 times. I also did not authorize but XXXX people. To run my credit. I reported this month 's ago to all agency 's but nothing was removed and I never heard back from them. I also tried to get my XXXX reports at XXXX and I was refused why? Also I 'm supposed to have a fraud alert on all credit reports so why are the company 's. Allowing inquiry 's without checking with me first?

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 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The credit bureau 's failure to provide me with information to prove that this is my account they have stated that they will no longer investigate my claims. I am requesting proof or remove the in accurate information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed XXXX XXXX Bk in XX/XX/XXXX that was successful completed and discharged in XX/XX/XXXX. All of the debts that were included in the bk were deleted from my credit report with the expectation of an entry made by XXXX ( was included in the bk and at the time was just XXXX ). I initially disputed this entry with Experian online and received a response that it was verified. I called Experian to get additional information was was told that my account was verified with the date of last payment made XX/XX/XXXX. Of course this was incorrect. I most definitely did not make a payment to this company during my bankruptcy. I was told that I needed to send in documentation to support my claim. I immediately mailed a copy of the debt schedule page, final account from the trustee, and discharged order. In my letter, I requested copy of the original contract, a complete payment history from XXXX, and vertification method. 
Today, I received from Experian the following which does not address the original incorrect reporting of this debt : An account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date bankruptcy was either filed or discharged. The bankruptcy itself, listed in the public record information section of the credit report remains for seven years from the filing date if it was a Ch XXXX, or 10 years from the filing date if it was a Chapter XXXX or XXXX. 
As a national consumer credit reporting agency we collect and store information from credit grantors and information available in public records following the guideline in the Fair Credit Reporting Act. 
When you use credit a record of your payment history is stored along with the respective account. The monthly payments leading up to a bankruptcy discharge tells the account 's history. Unless the history is inaccurate, it can not be deleted. Accounts included in a bankruptcy ( other than those under Chapter XXXX ) will no line indicate that a balance is owed. 

The account in question is currently showing : XXXXDate Opened : XX/XX/XXXXFirst Reported : Not reportedDate of Status XX/XX/XXXXRecent balance : XXXX paid as of .... 
Status : Discharged through Bankruptcy Chapter XXXX. This account is scheduled to continue on the record until XX/XX/XXXXComment : Account closed at credit grantor 's request. This item was updated from our processing of your dispute in XX/XX/XXXXAccount History : Debt included in Chapter XXXX Bankruptcy XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Hello I have asked Experian on XXXX different time to investigate the FRCA 609 FEDERAL LAW act in which clearly states that me the consumer have the right to asked them to provide me a copy of my original signature and documents on XXXX different accounts they have failed to provide me with any of the accounts they keep sending back to me its been verify I have yet to see anything. right now they are in violation of the fcra section 609 / 616 and 617 fcra act! I wanted to file a complaint XXXX One bank XXXX XXXX XXXX XXXX XXXX XXXX ALSO ALL credit inquires that

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 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I receive a cancellation of debt letter from XXXX XXXX about a charge off I had in 2011. I submitted a document to all XXXX bureaus however Experian have yet to honor this " cancellation of debt '' document and continue to report this account with a balance.

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 2017-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nelson Cruz & Associates LLC
State: FL

Complaint narrative:
Today I received a call from Nelson Cruz & Associates XXXX where they left a voicemail regarding a " pending legal matter ''. They provided a case number of XXXX. I returned their call to ask for more information and they committed several violations of the Fair Credit Reporting Act. 

Here is the list of violations that they committed : 1. They told me I had a " legal case number '' ( listed above ). I asked if the lawsuit was filed in Federal, State or County court. They then said there was no lawsuit filed. 
2. They also allegedly recorded the call without my consent. 
3. They attempted to re-age my debt. Specifically, they told me the last activity on the account was in 2011. This is untrue. Also, they stated that the statute of limitations for a breach of contract is 7 years. This is also false. The SOL in XXXX is 5 years, XXXX is 3 years and XXXX is 4 years. The statute of limitations has expired and the debt is not collectable. 
4. They stated that they were going to garnish my wages. I asked if they filed a lawsuit again and a man named XXXX XXXX proceeded to scream and harass me and threatened to garnish my wages. He said they 'd see me in court but would not provide me any information. 
5. I asked for their address to serve them written correspondence via certified US mail and he refused to provide the address. He then proceeded to make more false and misleading statements and misrepresented the details of my account in an attempt to intimidate me. 

Based upon the threatening tone of XXXX XXXX, I am now in fear that this company may use my personal information to exact " revenge '' on me and possibly even try to steal my identity or use my personal information for other nefarious purposes. 

I also did an online search of this company and it seems that they 've been using illegal tactics to collect debts from many people in various states. 

From my search of the XXXX Comptroller 's website, here are some of the people involved : 1. In house counsel/registered agent : XXXX XXXX XXXX, XXXX. ( XXXX Bar No : XXXX ) 2. Managing Member : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Please look into this company as I am sure they are victimizing many good hard working people with their deceptive practices. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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:
Hello, My father and I have the same first name and last name the difference is that i have a middle name. When i am trying to do anything with a credit check using my SS # his credit information comes up. Trying to gather my information from the credit bureau i am unable because of information that i can not provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, I would like to file a formal complaint against Experian due to their inability to fix an error in their system that prevents my credit score from appearing. 
To give some background information, last year around this time I moved to XXXX, IL and I applied for apartment. To my surprise there was an error and I had to pull up my credit score information to send to them. I checked all XXXX on XXXX and I also received an error from experian, but was able to pull my information from the other XXXX reports. I did n't think anything of it and the apartment company was able to accept what I had submitted from the other reports. 
This year I decided to move to a different apartment complex in XXXX and the same thing happened again. I went online and tried to pull up my credit through their website and it would error out when it was processing every time I hit submit. This time I knew there was an issue and I decided to call them to figure it out. I called the automated system and received an error and was given the run around when I tried to find an option to speak with a representative. I managed to find a number for their customer service for people that was n't to sign up for their services. After speaking with XXXX different representatives including a supervisor, they all gave me the same generic answer that they would n't be able to assist and I would have to call the other number. I told them I called that number and that I was unable to talk with anyone since it was all automated and they insisted that I would eventually talk with someone that would be able to help me. They were wrong and I kept calling the number telling me to go online or mail in a form with identification. I went through everything I could online and with no help from anyone over the phone I 'm not sure where to turn. Please if there is anything you can do to help it would be greatly appreciated. I 'm not concerned about my situation so much this year as I am in the future when I would have to have a cosigner for everything when I worked so hard to have an excellent score through the other companies.

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