vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried numerous time disputing hard inquiries with Experian. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Experian with no response. Some were Return To Sender. Experian refuses to delete them from 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 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously disputed a New York State tax judgement on my Experian credit report. There is no record of such judgment in the New York state records. The judgment is is number XXXX. I would like this judgment to be deleted from 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 non-monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Experian. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.

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 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Statebridge Company
State: IL

Complaint narrative:
I am in desperate need of assistance. I have a sale date for XXXX XXXX and it has been XXXX ever since my loan was transfer from XXXX mortgage to State Bridge.I am tired of working directly with my new lender State Bridge because they are prolonging my loan so I can fall more behind. First I was always asked to re-fax documents when they confirm that they were received. Then with not even a month of expiration I had to keep sending them more documents, due to my file getting transfer to a new specialist every time. State Bridge will always say that they needed to have a complete package to presented to my investor but my packet was always complete. Once my file was presented to my investor State Bridge told me that I could not be help because I was offer the XXXX modification previously with XXXX bank. That there was no other work out option. I was so devastate because before my file got transfer to State Bridge the only modification I had was an in house modification. I was never offer the XXXX modification. However State Bridge has use this as an excuse in order to deny my loan. Also they have switch my income many times for their own benefit so I wont get any help. My total monthly income included my husbands is {$4000.00}. Therefore when I spoke with agent today XXXX XXXX, I was told that the income that State bridge has use was {$3300.00}. I told her that was incorrect and that I am tired of all this. I have even offer them {$15000.00} to get the help and still is not enough for them. I have escalate this to my investor as well the only person that tried to help me was XXXX XXXX from the investors office. However, she has been out from the office many days and now I had to contact XXXX XXXX from the investors office. He 's responds was just to let my home sale because I have a sale date for XXXX XXXX. That this will be a better option to just walk away. I started to cry when he told me this. I dont want to be homeless I told him I was going to file a complaint with the consumer financial protection Bureau and he told me that I can do as I please. That my home was going to sale either way. I want this adress. I have proof in writing of all the wrong doing they have done. Please I am begging for help. I do not want to be leave homeless. Thank you so much and I hope you help me with this awful situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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: HI

Complaint narrative:
annualcreditreport.com says it can not supply my free annual report by email " for security reasons ''. It had no trouble asking me to input all my personal information online, so why should it balk at sending me my own personal information online, via email? It does offer to send the report via regular mail but that appears to take two weeks and it requires the provision of even more personal information. We all know that this is just another invasion of what little is left of our privacy. Please do something to stop it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX & XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX & XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX Dear Experian Re : Inquires According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 
Thank you for your time, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I contacted Experian on the phone because it would not allow me to dispute an address online. I called several times to dispute an address that is incorrect and does not belong to me. They refuse to remove it from my credit report. This address belongs to a family member and I do not live there.

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 2015-08-12 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: TN

Complaint narrative:
I used XXXX to request my XXXX free credit reports online. XXXX and XXXX provided the requested credit reports immediately. Given the same information, Experian 's response was " We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX. " Eight days later I tried again to get just the Experian credit report on annualcreditreport.com and received exactly the same response. Attempts to use the Experian phone menus were unproductive and frustrating and at no time was I offered the opportunity to speak with a human to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: COMPUTER SCIENCES CORPORATION
State: CT

Complaint narrative:
my husband and i went online to pay off a truck loan thru CSC Logic on XXXX/XXXX/16. I hit the pay off amount and it gave me a pay off balance of {$730.00} which i then paid off after waiting 30 days to get truck title they sent us a notice of balance of XXXX which we did not understand why when we requested a pay off amount and we paid the amount for the pay off on there online system they then sent us another bill fro XXXX which then put in a claim with the XXXX they then sent us a ltr to call them which i did on XXXX and spoke to a XXXX she then advise me that the remaning balance was for NSF payments & interest charge which i then adv her i will be putting another complaint againts them for violationg our FDCPA rights she then adv i can do as i please

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 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed with Experian before and they have reinserted an account that is not mine. XXXX XXXX XXXX was removed in XX/XX/XXXX and was reinserted back on my report on XX/XX/XXXX this is not lawful to me as a consumer this must be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am enclosing a letter I received today on an Experian letterhead I believe to be a fraud. I tried to contact the Experian credit reporting bureau through the first XXXX # mention in the letter which is legitimate, but could not talk to a live person. I became suspicious and did not contact the second XXXX # in the letter. I have a security freeze, a precautionary measure, an all of my credit reporting agency accounts and even I can not access them without my pin # 's. I believe this to be a fraud. How do I contact an Experian live person to check on this, or get assurances that no one has been able to access/change my account?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-29 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:
Experian his not disclosed how it investigated this information however now after my dispute has concurred that the debit is fraud but still refused to deleted it my credit report, the debit is identified as : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX name is incorrect on my credit report. The name is XXXX XXXX. Also, XXXX account shows to be in collection and I do n't know what it is.

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 2015-04-15 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:
While on XXXX with the United States Military XXXX, I was the victim of Identity theft/fraud. Multiple inaccuracies and fraudulent accounts were opened using my credit information. I have disputed these accounts on multiple occasions, with both the credit bureaus and the company who owns the account. With my disputes I have explained the situation, supplied documentation of my XXXX, and the police report filed that led to the arrest of the person responsible. Still the credit bureau and company refuse to remove the incorrect/derogatory information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. I did not do a online application for a XXXX XXXX credit card on XXXX. I already have a XXXX XXXX credit card. I called numerous times of the agent assures me that " IT WAS TAKEN OFF MY CREDIT REPORT '' Since XXXX I have called over 4 times and get the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has reported my account information incorrectly for many years. Despite repeated disputes, Experian always verifies the incorrect information. This has been disputed with Experian at least 10 times in the last 3 years Experian reports XXXX 2009 30days XXXX 2009 30 days XXXX 2009 120 Days XXXX 2009 90 Days XXXX 2009 Repossession XXXX 2009 30 Days This report is obviously incorrect and it should be noted that Equifax has completely different numbers that are also incorrect ( complaint filed also on XXXX ) Correct reporting is the account went 30 days late XXXX or XXXX of 2009, no payments were made ever again and the vehicle was repossessed in XXXX XXXX 2009 Both Experian and XXXX claimed to fully investigate and state these are the numbers provided by XXXX XXXX XXXX. Since both have different numbers someone has failed in fully investigating. There have been numerous phone calls with Experian supervisors who agree the reporting has to be incorrect but they never change it and any dispute comes back as verified My belief is that the credit bureaus have failed to investigate and XXXX XXXX XXXX has deliberately reported incorrectly to punatively keep this item on my credit reports beyond the mandated 7 year reporting period. ( complaint also filed on XXXX XXXX XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have spoken to and reviewed my credit report and the reasons for a denial from XXXX XXXX ( letter attached ) are listed. 
Either the information is being reported incorrectly or XXXX XXXX is not reviewing the correct file. 
I applied for a XXXX XXXX credit card through XXXX XXXX and was declined. 
I have spoken to them on 3 different occasions only to be told that this is what the credit bureau is reporting to us. 
I have a current account with XXXX XXXX that I have has since 2014 which has been give XXXX credit line increases over the years and my payments have Always been on time. 
I have no past due accounts and approx XXXX revolving current credit accounts all CURRENT.

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 2016-05-09 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:
After checking my credit report, There is a XXXX card balance. I gave them my social security information and nothing is pulling up. Where are t\trying to close on a house, and this is really affecting my eligibility for my VA loan .

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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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 pa, XXXX XXXX Account # XXXX no contract and 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 2015-03-19 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:
there is a XXXX BP account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had a fraudulent account on my credit report. I placed a fraud alert on my credit report with all XXXX agencies through XXXX. Then tried to dispute the account with all XXXX agencies independently. XXXX and XXXX had phone numbers to contact directly and dispute the charge immediately. However Experian lists phone numbers that are purely automated ( no option for an agent, hangs up after ) referring to the website. Tried the file a dispute on the website but i needed a copy of their credit report. I tried putting in my information and it told me " they are unable to honor my request '' and that I would have to submit in paper through the mail a request including all my personal and private information including social security number, date of birth, address and potentially money to buy a report. I already have a report through a different group, i do n't need a report. I just want to dispute a charge but there is no way to get this done directly. This is a consumer business that handles my credit information and is essentially holding it hostage to make a fee on a credit report. How is it possible that there is not a direct phone number to an agent required for this business?

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 2016-08-02 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 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 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.

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 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
incorrect information reporting

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