vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Account charged off. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, Closed. 

XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XX/XX/2011 Status : Paid, 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 non-monetary relief
Consumer complaint received 2017-01-17 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: CA

Complaint narrative:
I requested my credit report from Experian on XX/XX/2016. I was refused a copy of my annual credit report. Experian mailed me a rejection letter stating I was sent a copy of my credit report in the last 12 months. 

I never requested a copy of my credit report in the last 12 months and never received any sort of copy of my credit report from Experian in the last 12 months. 

I need a copy of my credit report as I have been denied a refinance on my home. 
I applied for a mortgage with XXXX and XXXX XXXX XXXX and was denied because of 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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed an account with Experian and the credit reporter and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Experian assisted XXXX by claiming they investigated this account and refused to remove it. 

I decided to go and do research through the XXXX state ( Texas ) as of XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

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 2015-08-06 00:00:00
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
Springleaf Finance have XXXX hard inquiries on my credit report viaXXXX XXXX who matches you with a creditor. They were not suppose to put hard inquiries on my file. XXXX preapproves you before you get to next step. I applied to this company XXXX time in XX/XX/2014. Now I have XXXX hard inquiry. False advertising. I tried talking with them about the problem, but theyRefused my rights as a consumer and would not listen to what I said. Please notify these companies as it has impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 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 was called by XXXX XXXX XXXX minutes ago saying someone tried to open a Credit Card using my Name/Social/DOB. They said they will remove the inquiry from my credit report. But I see on my Credit report that I have XXXX more inquiries in the last few days that are also Fraudulent. I put a Fraud Alert on my Credit but need these XXXX inquiries removed 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 2015-05-28 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: SC

Complaint narrative:
I accessed my credit report and saw that there were at least XXXX social security numbers that I did not recognize associated with my name. In trying to rectify the problem, I am asked to pay for services to access my credit report again. There is erroneous information on my credit report which does not belong to me and it is hurting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Audit & Adjustment Co. Inc.
State: LA

Complaint narrative:
Do not owe audit and ADJUSTMENT a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I received an escrow disclosure statement from my mortgage company, Cornerstone Lending, letting me know that my escrow account is in arrears by {$8000.00}, giving me XXXX options to resolve the issue, 1 is to pay the {$8000.00} in full or spread over 12 months thus making my new monthly payment {$2700.00} beginning XXXX/XXXX/16. This is the first time I 've heard of my escrow shortage and I have less than a month to start paying this new amount since I do n't have $ XXXX I can just pay in 1 lump sum. I do n't have the ability to make a XXXX dollar payment for the next 12 months either. Talk about payment shock! I 've tried to communicate with the mortgage company to come to a solution to this but have n't had any luck. They have not given me any other options. I am afraid I will lose my home since I am not able to pay what/how they want me to pay. I am a single mom & only have XXXX income. I am already just barely making ends meet. I feel I was not made aware of what my true obligations would be when my loan originated, I feel it was so that I 'd be able to qualify to get the loan. I am at a loss and do n't know what else to do to resolve this issue. I am being set up for failure right from the start with the XXXX options they have given me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
*** This is not a Duplicate ***My mortgage company lack of security allowed my tenant ( XXXX XXXX ) to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX XXXX XXXX. I have taken actions to correct my part, but I need to have the harm caused to me removed from my credit file. 

I have sent the following proofs of fraud on my account to Experian and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( XXXX have been a failure )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on XXXX. I have contacted all XXXX credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.

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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/2014 the VA Child Support division conducted an investigation into acct # XXXX and determined that the item should be removed from my credit report as I was never behind in payments. Even though the CRA XXXX was in compliance with removing this item, Experian failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014.

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 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has continued to report me as deceased after several inquiries for the past 6 years. Every inquiry made shows me as deceased and they have not corrected the mistake, no matter how many times I dispute it. I never get any answer back from them as the forms do n't have any option to dispute being deceased. I have to go to the upload document to be able to even enter the dispute. I know there is a national database that they can look in and determine I am not deceased, and other bureaus such as XXXX have never listed me as deceased. I have new items and continued reports being added to my report every month, which they process and other disputes which they have process, but they keep reporting me as deceased and will do nothing to change 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 non-monetary relief
Consumer complaint received 2015-04-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed an account on my credit report with XXXX, because they have not been able to provide me with specific account information and violated the XXXX code by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. I had also provided Experian and XXXX with a copy of the letter stating they would remove the account from my credit report, yet they XXXX verified the information as correct. They did not even review the information that i added with my dispute. In additionXXXX has not followed through with their remedy. i have attached a copy of the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report 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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I had a XXXX in XXXX 2015 while living in XXXX XXXX, Iowa in preparation for a year-long XXXX trip to XXXX. I left the country in XXXX 2015 and do not have any reliable way of receiving forwarded mail in XXXX. XXXX, medical bill for a small amount was not accounted for ( {$140.00} ), and this was turned over to XXXX XXXX XXXX , XXXX of XXXX XXXX, Indiana. While I changed my USA address with my former employer ( XXXX XXXX ), insurance company, and the medical providers I was currently receiving bills from, the bill collection agency ( XXXX XXXX XXXX ) tracked my new address down, but the small bill 's medical provider did not and thus I did not know of this bill until the collection agency had already filed a derogatory credit item against me. This balance was immediately taken care of and the derogatory removed from my credit report, but the XXXX point hit my credit score took has not been reversed. 
I would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.

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 2015-12-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pulled my credit report XX/XX/XXXX and saw that there were late payments that were not mine. Since then I have written XXXX letters to all three bureaus who are reporting the incorrect information. Experion has not responded to any of my letters. XXXX and XXXX sent me XXXX letters promising the information was updated or new information could be found on my report. However, there was no update on my credit report from either bureau. XXXX last letter was in XX/XX/XXXX and they have n't responded since then. 
XXXX 's last letter was XX/XX/XXXX and they have n't responded since then. Also- whats really upsetting is that all three bureaus had deleted the incorrect information on XXXX of my accounts listed as : XXXX XXXX account # XXXX and now the late payments are showing up again! XXXX specifically deleted this information in XX/XX/XXXX and in XX/XX/XXXX it showed up on my account once again. This is really ruining my credit. I 'm always on time. Please tell the bureaus to delete the incorrect information once and for all! 
The other accounts that are showing incorrect late payments are as follows- XXXX XXXX XXXX account # XXXX, is only showing up in Experian. XXXX and XXXX already did research on this account and deleted the errors. Please ask experian to do so as well. 
XXXX XXXX account # XXXX, all XXXX bureaus are showing incorrect late payment status XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX, my wife and I sent a letter to Experian that requested that they investigate errors on our credit report. My wife has already received her portion of the response from Experian, listing the corrections made. Unfortunately, I have not received a response to my portion of the request, and more than 30 days have transpired.

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 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked Experian to investigate and if not verifiable delete negative information on my report. I have explain and shown Experian the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Experian has responded twice that the information is accurate according to the furnishers of the information, also sending a final notice that unless I send additional relevant information that supports my claim they would not re-investigate the dispute accounts again.

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

Complaint narrative:
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation