vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting additional supportive information in regards to a complaint I had put in with the XXXX major credit reporting agency 's. My XXXX account is currently reporting as a 30 day late payment. This information is incorrect as I have never been late in paying this credit card. The credit reporting agency 's told me they did an investigation and it was reporting correctly. This investigation was too short as I received the results way to quick. I contacted XXXX shops and they provided me with the letter I am submitting as substantial proof that this account was not paid late. This account should be showing as accounts in good standing and with the deragatory remark removed. I requested this back in XX/XX/2016. Please note the date of this letter which is dated 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 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed a dispute to experian regarding XXXX XXXX loans being reported on my credit report. XXXX should not be reporting any information due to no longer being the furnished of those loans. Also they are reporting incomplete payment history for the loans. They did not have 2 years worth of history from when the loans were opened. Under fcra the law states complete and accurate information has to be reported to credit bureas. OR if it is not has to be removed. After filing the dispute with experian, I waited XXXX days for a result. Never received anything. I tried to file another dispute and received a message those items were verified and I would have to dispute with sallie mae directly. So I called XXXX and was advised that XXXX had no information since the loans were transferred to another office and could n't find any information in my name also stated they were never notified by experian of any information. I called experian and spoke to XXXX from team XXXX. After citing my writes under fcra, XXXX advised that I was absolutely right, also stated experian did not verify anything with XXXX, did not receive my dispute. But normally does not contact the creditor anyway regarding disputes just posts whatever creditor wants them to report. I advised XXXX I was going to complain to the federal trade commission and consumer finance and sue experian, XXXX advised he was disputing items again and notation I was proficient in fcra law and certain experian would now remove those items. XXXX then asked if there was anything else I wanted to dispute. I answered yes I have a credit card which the credit status was incorrect and I had disputed. XXXX checked and advised they received that dispute and that information had been corrected. I advised the XXXX loans and credit card dispute were filed on the same dispute I originally filed. XXXX stated he would file a complaint must have been a computer error. I am filing a complaint also with the federal trade commission against experian for breaking fcra laws and admitting to do so, I want the XXXX XXXX accounts removed they should n't be on my report, if not I will be hiring a consumer law lawyer and sue them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed XXXX accounts on Experian with XXXX XXXX XXXX. These XXXX accounts went into collections in XXXX. I paid these in XXXX. They had on my report Collection as of XXXX XXXX. I disputed it and now it shows collection as of XXXX XXXX. Please fix. On my report from XXXX XXXX XXXX ( attached ) they have collection as of XXXX XXXX, so you can see they keep changing the date to seem more recent. I am trying to get a house and do not need this on my report. 

Credit ItemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not open a XXXX XXXX. I have disputed with the XXXX bureaus at least 12 times. 
I have requested validation of all information such as original application and signature, all statements and payment history, disputes and collection letters, account terms and conditions, authorized users, etc. they have not been able to validate this information. I sent certified letter and they have 30 days to validate and can not so they must remove from my credit report and permanently delete the information. Account states that I can not be located and was sold to XXXX. XXXX sent me a letter stating they were closing the account and removing from my credit report since they have no information of the 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 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Experian complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Intrusive billing inquiries and charges eating up credit line by hackers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian Credit tracker is using terms like account transferred, closed and paid as derogatory information, thus bringing down my credit score. Experian proper, which is a separate company from Experian credit tracker, tells me there is nothing wrong with my credit report. I have talked to many people in the last month, and they are always working on it, and I am paying XXXX a month while they " work on it ''. XXXX XXXX will be my second payment. Even if they solve it today, the way they have treated me is disgraceful. Now Experian Credit Tracker is doing an investigation of my credit, and they will find out the same thing. I think they will never solve it, and just want me to give up.

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 2016-12-08 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS 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 2017-03-08 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:
There are unauthorized inquiries on my credit report. I requested that they be removed. However, they are still 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 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in Florida and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account was opened XX/XX/XXXX. I have n't had them in well over 7 years. I keep disputing it Experian is indicating I can not reinvestigate. This account keeps getting re-aged. Report shows opened in XX/XX/XXXX with history for only XX/XX/XXXX and XX/XX/XXXX as failed to pay.

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: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not received any correspondence from either Experian or XXXX during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial well being by still reporting an open balance which is affecting any ability to acquire financing.

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 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX account being reported on my credit report has been settled and there is a XXXX balance. My experian report is not reflecting as such. I am in the process of buying a house and this discrepancy came up. I demand full deletion immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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:
I discovered an account from XXXX XXXX on my Experian credit report. I have never conducted business with this company so I need this account removed ASAP. Contacted the company directly and was advised that documentation would be sent to me via email. As of today, I received no information. I have also filed a complaint with XXXX Case # : 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 2016-03-10 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:
Experian continues to list a XXXX credit card account on my credit report in violation of the 7 year reporting rule established by the Fair Credit Reporting Act ; last payment on this account was made in XXXX 2008 and the current payment status reported by Experian is " Past Due 180 days '' ; I have disputed this account both with the credit reporting agencies and XXXX directly ; XXXX and XXXX correctly removed the account from my credit reports, but Experian did not ; the fact that it was removed by XXXX and XXXX by not Experian tells me that the erroneous reporting is the fault of Experian and not 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 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: ID

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 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After canceling XXXX XXXX they billed me for contract extension -- - {$160.00}. and, on numerous occasions I said I would pay as soon as their equipment was removed form my roof. Once they said it would be done when a technician was in the area. Once I was able to finally get the equipment removed I promptly paid the {$160.00}. Meanwhile, XXXX XXXX sent their bill to XXXX. I wrote XXXX explaining matters and cautioned them to do nothing to cause a negative effect on my credit record. Despite this, XXXX ruined our score, and has not taken necessary steps to return it to the 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 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.

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 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have been with PNC Bank for 21 yrs. On XXXX/XXXX/2015 I rented a car for 49 days. The total for 30 day rental is {$530.00} so 49 days would come to roughly {$870.00} or close to {$900.00} I wave all extra coverage at the counter & soon after I pick up the rental from XXXX XXXX car in XXXX Fl, they begin to charge my card excessively. I immediately contact the company & even was told by a representative that I was indeed being over charged & was referred to corporate however never being able to reach a live person nor getting credited for the excessive charges to my debit card. I never used my pin, always credit yet when I began my dispute with my bank, they continued to allow my credits to be reversed after I cancelled my card, as well as faxed all receipts & correspondence directly to the escalation dept handling my case. I am still batteling the bank & have been charged excessive fees, my electric was shut off, I had no cable, internet or phone therefore my child couldnt attend school, I could not work & my mother had no oxygen due to all of this! Many of my pay checks have gone into this account, only to be absorbed by negative balances because of the banks lack of professionalism in having one person handle my case but more hands in the cookie jar caused nothing to get done & myself as well as my XXXX children suffered.

Company response to consumer: Closed
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor GMAC XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2015, I sent Experian a dispute regarding a judgement ( ID : XXXX ) that I was notified was showing up on my credit report, however, even through I provided them documentation showing this account was associated to XXXX XXXX XXXX, whereas, I am XXXX XXXX XXXX, Experian refuses to remove the judgement not associated to me. The judgement is question is assciate to my son not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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