vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have stuff on my credit report that does not belong to me, I go by XXXX not XXXX. I want the stuff removed that is listed for XXXX. with experian

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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

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 2017-04-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
These people have now sent me a letter with an attachment that shows that the debt was written off by the creditor so why do they keep contacting me? In addition, I asked for proof that they billed the insurance company and this does n't show that. It shows no insurance response. That is not my fault they did n't bill the insurance company when they had my insurance information. Do I really have to obtain and attorney about this???? I contacted the insurance company and they stated they have NO records of XXXX XXXX every billing them and that my insurance was in order! STOP contacting and harassing me about a bill that was never submitted to the insurance company. I have health issues and you are not making them any better! You keep XXXX.

Company response to consumer: Closed
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: NM

Complaint narrative:
I obtained my free credit report and noticed a XXXX XXXX XXXX Credit card on my report which shows delinquent payments. I never opened a XXXX XXXX XXXX Credit card. I tried to have the credit bureau do an investigation but they keep saying the account belongs to me. In the results document they suggest I contact XXXX XXXX XXXX which I have done several times. They concur that I have never had a XXXX XXXX XXXX credit card. But since XXXX XXXX XXXX has no record of even reporting this to the credit bureaus they are unable to do anything for me and tell me I need to go back to the Credit Bureau again to have they reinvestigate this. I have done this 2 times already with no resolve. I am not sure what to do at this point and want this removed from my report. I am not sure how the credit bureau investigates disputes but when I call XXXX XXXX XXXX and provide my SSS # they bring up my profile and verify that this is not my account. Here is the Account number XXXX .... I am unable to provide that last XXXX digits because I do not know them. 

Please advise. 

Thanks XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an alleged XXXX account for XXXX on my Experian credit report.I have disputed this account several times with Experian as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Experian credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XX/XX/XXXXExperian DOFD - XX/XX/XXXXXXXX DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Experian is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Experian responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent several letters let Experian know that XXXX XXXX Bank, XXXX is not the owner ofthe debt any longer, they refused to remove it and stated that they will not investigateit any more, even thought XXXX is not the owner of the debt, I also sent a letter toXXXX XXXX Bank who sent a letter back stating that they are not the owner of the debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian received my dispute which included a dispute for an unverified account ( US BANKRUPTCY COURT account number XXXX ) and multiple inquiries which I did not authorize. The company has failed to acknowledge my dispute for the inquiries to be removed as well as for the 3rd time has extended their dispute date for the public record which has now been pushed to XX/XX/XXXX. I am not sure why they are asking for " me '' to wait for them to verify information for an account they should have already verified. I am also not sure why I have to be punished for inquiries that I did not authorize. I am asking them to delete this public record immediately as well as the multiple inquires that I sent to them via certified mail on XX/XX/2017. This public record and these unauthorized inquiries are negatively affecting me and causing me a hardship when attempting to obtain credit.

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 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have been contacting Experian for more than a year regarding their error in reporting. The collection was paid and it should not be included in my report as it is a court collection not a collection agency. They have said they have verified it but that is impossible because the information is still wrong! this is hurting my credit badly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my third complaint to the Consumer Financial Protection Bureau regarding the bankruptcy that Experian is reporting under my credit file. I have repeatedly asked Experian to validate that this bankruptcy belongs to me and that it is being reported correcttly. They have responded it is VERIFIED In the FCRA, verification is not VALIDATION and I, the consumer am entitled by law to validation. Experian said they verified it with a third pary agency but furnished me no proff of how it was verified and the process which again. I the consumer am entitled by law to know who this third party vendor is and the the process used.. Experian has given me neither item that has been repeatedly asked for. They have violated MY RIGHTS as a consumer and I want this item deleted immediately from my credit file. That is the only result that i will accept.

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 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My rental history from Experian XXXX is negatively reflecting civil court inquiries, which is keeping me from moving or getting an apartment.
I do not have any information in public records on any of my major credit reports.
I've never been evicted, owed any rent balance, or have I ever had any judgements against me, and I'm currently still residing at the same address for over 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no knowledge of Federal district debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting 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 non-monetary relief
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harley Davidson Financial Services Inc
State: IA

Complaint narrative:
Sometime in XXXX Harley Davidson Financial Services began contacting my cell phone which is my only phone and I rely on it for my work as a nurse and when my school aged children need me. They call me XXXX but I 'm most assuredly a female. I have never owned a motorcycle or taken out a loan for one. I told them repeatedly to stop calling me and take my number off their list. I have asked to talk to supervisors. I have asked that my calls be recorded. Most recently they called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Enough is enough. I am on the do not call list. I have contacted the XXXX, and made complaints each of the last three times with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 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: TN

Complaint narrative:
I needed to dispute inaccuracies on my credit report. I went to Experian 's file a dispute site. I was able to login and verify questions and begin my dispute. In the middle of performing my dispute the browser froze and when I attempted to reload the page it would not reload. So I attempted to start the process over but it gave me a set of verification questions that does not apply to me. I selected they did not apply. I then was locked out of accessing my credit report. After numerous calls they provided me with XXXX number. XXXX did not understand why they did that. So I contacted Experian tech support again and after the 3rd try they advised it was due to me being locked out. They said they could not fix it and I requested to speak with a Supervisor. I spoke with XXXX, XXXX ID XXXX, who was unwilling to assist, unwilling to take ownership, unwilling to get someone on the phone who could help. She only provided XXXX which was a complete automated system no matter what IVR option was selected. I then found XXXX online and spoke with a XXXX. They advised they could mail a report which I already requested but would take 10 business days. I advised I could not wait that long due to attempting to buy a car. I requested that the report be overnighted due to a system error. The representative advised that it is a {$20.00} charge. I requested it be waived due to system issues on Experian 's side. They representative refused to do so. I request a Supervisor whose name was XXXX with XXXX XXXX. I was instead transferred to voicemail. I called back 5 times requesting to speak with a Supervisor and every representative refused. Thus I can not access my Credit information, credit repair companies can not pull the information either, and Experian is not being cooperative nor willing to further assist in resolving my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 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: FL

Complaint narrative:
I received an adverse action on my utility credit score. I requested the report from Experian and my request was denied, even though I have a letter from the utility company saying that I am entitled to a free report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has been incorrectly and inaccurately reporting certain information my credit report. The furnisher has referred me to the bureau. As shown in the attached screenshots, Experian lists these accounts as being installment accounts when they are not. They also list date of status as being XXXX and XXXX, respectively, yet the they 've updated monthly since the addition of these items to my credit report. They also list past due amounts and other history that the furnisher insists has not come from them. I 've attached several screenshots supporting my position.

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 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested on several occasions on all XXXX credit reports for XXXX XXXX account to be removed off XXXX, Experian, and XXXX. Last deliquency date was XX/XX/XXXX and this company is still reporting charge off and also has sold account as of XX/XX/XXXX to XXXX and now this company is showing collections account and date opened in XX/XX/XXXX. I have also requested on several occasions to a XXXX agencies to correct this information as well. This should also reflect actual date but instead they are using a more recent date to effect my credit for a longer period. Please remove XXXX XXXX account and correct dates on XXXX XXXX. This should not remain on my report longer than 7 year period. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted experian requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit

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 2016-03-14 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:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/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 2015-05-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: IL

Complaint narrative:
I paid my debt to XXXX consumer agency and now there are XXXX other agencies trying to collect on the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: IL

Complaint narrative:
An automated machine keeps calling to saying it is calling to collect a debt for " XXXX XXXX ''. A person by that name never has lived here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
One Main Financial is reporting incorrect loan information to all XXXX of the credit reporting agencies. The loan I took out was established XX/XX/2015 as an unsecured personal loan. This company is labeling the account an auto loan and reporting it the same. This information is incorrect and I 've disputed this with all three credit reporting agencies faxing proof of documentation from my existing loan forms to them. XXXX is the only CRA that is still reporting after 30 days of review/research as this is still a valid coded account. I 'm still waiting for XXXX and XXXX to report back their finding/investigations. I 've also contacted the merchant, One Main Financial regarding this inquiry/complaint and they have yet to address this problem. They are refusing to speak to me regarding disputing my account and how they are coding it to the credit report agencies. ( One Main Financial, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, NJ XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: IL

Complaint narrative:
Penn Credit agreed to remove a collection account from my credit report. Penn Credit removed the account from my XXXX XXXX report, but did not remove it from my XXXX report. I have tried to contact Penn Credit multiple times, but have received no communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Inc.
State: NE

Complaint narrative:
First they put in my credit report that I owed them {$2500.00}, then they decided to bring it down in my credit report and sue me for {$2000.00}. They sent me a paper dated XXXX/XXXX/2016 their math was off. 
XXXX unpaid rent plus late fees ( This is for two months rent that no one lived there and the lease was satisfied, ) {$770.00} for cost to repair damage. {$560.00} was for a furnace on XXXX/XXXX/2016. No one lived in the property form XXXX2016 They only credited us for {$470.00} deposit, when it was {$650.00}. 
That would leave the remanding balance of {$1800.00}. 
This was pointed out to the collection agency. They said they would change it, but never did.

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