vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has a PROBLEM with KEEPING OBSOLETE AND OUT-DATED MAILING AND PAST RESIDENTIAL ADDRESSES ON MY CREDIT REPORT! They claim they have gotten these addresses from " public records '', but decline to say what " public records '' they are! They have REFUSED TO REMOVE THE OUTDATED, AND OBSOLETE MAILING AND RESIDENTIAL ADDRESSES, ON MY CURRENT ANNUAL CREDIT REPORT!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 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
RE : Fair Credit Reporting Act and Dispute with XXXX Account No. XXXXDear Federal Trade Commission, The brief Summary of my case is mentioned below for your review and resolution:1. I have discussed this Billing case with XXXX XXXX dept. and was advised by the consultant to send the details of this case to them and XXXX will send the corrected credit data to the credit Bureaus. But I have not received any response from XXXX yet ; in spite of many phone calls & reminders. 
2. I switched my Phone/internet service to XXXX after informing previous carrier XXXX in late XXXX XXXX Associate told me that I will have to pay early termination fees & estimated amount was not available with them in XXXX XX/XX/XXXX.I was informed that Bill will be mailed to me soon which should be paid on receipt. But I NEVER received any Bill/Statement from XXXX in next three months.Then I have to travel XXXX for 4 weeks in late XXXX to see my very sick sister.I have paid the full Bill of {$200.00} on my return XXXX and which has also been confirmed by XXXX. 
3.However, in the meantime XXXX has reported to Credit Bureaus ( & without first sending me the Bill ) that I am delinquent on their payment.I am not listed on their Online Billing protocol so I have to receive paper bill.Verizon did not call me and or e-mailed about this bill. Therefore this action on part of XXXX is NOT justified and legal under " Fair Cerdit Reporting Act '', Section 15 USC XXXX as this Act directs all Institutions and corporations to make sure to send only accurate and fully credible reports to Credit bureaus after fullfilling all standard billing requirements. 
4. I have called XXXX many times and discussed this issue with XXXX XXXX dept. and also with Billing section with XXXX XXXX and XXXX XXXX on XX/XX/XXXX.XXXX I have not received the copy of Bill ( if it was mailed to me ) and or any explanation about this misreporting on about my Credit. 
I will appreciate it if you wil take up this issue with XXXX and resolve it as early as possible.If you have any questions, please feel free to call me at XXXX or e-mail your questions at XXXXXXXXXXXX. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX MD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided the information to Experian to remove the XXXX negative from my report as I did to XXXX and XXXX XXXX. They XXXX removed the negative from my report because I was right and XXXX was wrong. Experian will not remove this negative from my report, I spoke to someone at Experian and they told me to contact you so you can dispute their decision. I 'm asking that Experian remove this negative, like the other XXXX companies.

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 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A bankruptcy from XXXX XXXX XXXX keep showing on my XXXX reporting companys The problem is they should not be on my report. I sent them proff of the dismissal letter and they overlooked it. They also are still reporting another bankruptcy that was also dismissed back in XXXX it also should not be on my report. As a result of this I am not able to get the Va home loan that I need for my family. I have also been turned down for credit due to this Please get them to take the multiple credit inQuiries off credit so that I will not have a problem getting a loan. I have also asked them to take off a collection from a hospital in texas that did not file my XXXX claim and as a result they have got a collection on my credit that should not be there, I have tried to get them to remove it but I guess they refuse. All want from these people is to clear up the mistakes on my 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 2016-09-14 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:
I have had multiple inquiries in recent days about my bank account ( seeking login info ) and XXXX-XXXX credit card issuing inquiries. All were fraudulent. Experian credit bureau is working on this with me. In looking at the Experian credit report I found several addresses listed that are not mine. Experian tells me these addresses were either from credit card inquiries or actual credit cards issued in my name. The fraud used my social security number ( and perhaps other info ). At least XXXX card is still active with my name and fraudulent address. It is not my card ; I never requested it ; I have never used the card. I filed a fraud alert on all XXXX credit bureaus. This week I have had three separate calls from credit bureaus alerting me to fraudulent use of my name and information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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:
All inquiries on my experian & XXXX report dating back from XXXX 2015 till present day I did not initiate nor have any knowledge of. I have disputed the items in question several times online & in writing & have gotten no where. They refuse to remove these bogus inquiries & they are affecting my credit score in a negative way. I have also asked fot proof & have received no response!

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 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am a XXXX % XXXX Veteran and I am exempt from XXXX and medical bills, and the credit reporting agencies have XXXX and medical bills on my report that they will NOT remove. # XXXX complaint is being ignored, I contacted them 4 times via mail and online, and they always have excuse not to remove the inaccurate, obsolete and noncollectable information from my credit report. Same for # XXXX, and # XXXX-Experian. I sent them a as follows : 1. Copy of my FTC Fraud package, 2. Military I.D., 3. My driver 's License, 4. My Social Security Card, 5. Copy of my current apt . lease, 6. My letter of registration from XXXX Idaho car for Plates and title, 7. My social security card. 8. Copy of my XXXX ( military pay stub ). And they still say they need more Identification or that they contacted the creditors and the debt is valid, even though I am exempt from the debts on my report because I am a XXXX % XXXX Veteran. They are using delay tactics and son, please assist me. I have XXXX plus pages of information I sent them, I will try to upload them on this site if not I will send vial mail with the reference number I get at end of this complaint, plus the credit reporting agencies have the copies as well. I give you permission to have them send to you for this investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to report a XXXX account and XXXX account that are not mine on my report. I have contacted them multiple times to verify these accounts and they have failed per FCRA, including my request for a method of validation. 
Yesterday, I filed a police report with the XXXX Sheriff Department ( Case # XXXX ). I am requesting that these items be removed. 

Additionally, the only inquiry I have requested is from XXXX. Inquiries from XXXX, XXXX and XXXX are fraudulent and included in my report. I granted no permissible purpose and dispute the bureaus answer of it being a factual record of file access. 
I am requesting that these 3 entries be removed.

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 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have contacted XXXX and XXXX and experian to correct some errors with my reports. XXXX and XXXX corrected the errors and my score has increased due to the help. Experian did not correct the incorrect information and I disputed the inaccuracies 3 times. At this point the my score with XXXX and XXXX is between XXXX and XXXX. My score with Experian is still around XXXX and has not increased. I have been refused financing options from companies that are using Experian and this difference and refusal to help is unacceptable. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries are fraudulent and have been reported to XXXX as fraudulent, yet they refuse to remove them. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Furthermore, they have my address as XXXX XXXX XXXX XXXX without the apartment number listed as a separate address when they have my correct address with my correct apartment number.

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 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a Platinum Card from XXXX XXXX, which does not have a preset limit as many charge cards do n't. For that reason it is not really easy to calculate the credit utilization on the card. As a shortcut Experian has the solution by taking the ever highest charge on the card as the limit. So because I charged the card for XXXX in a certain month they set the limit and such. So if XXXX accepts to charge higher they should set the limit to that new value. In my case though they froze it XXXX. The card was charged XXXX - instead of updating the limit as XXXX they reported the account as above the credit limit. When I complained about this they create a dispute with XXXX, although I told them XXXX is not at fault, it is their calculation that is faulty. However they will not listen to me. This month I had XXXX charge on the card, and on Experian I am above the credit limit while XXXX will say there is no such preset limit. Talking to their support is like talking to a wall. Experian needs to see they are not above the laws and regulations and correct their mistake. Either they have to remove the credit limit on that account or the have to update it with ever highest charge on the card like XXXX and XXXX do.

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 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX, 2015 I went online to EXPERIAN and thought I was taking advantage of a Great {$1.00} DEAL to see my Credit Score? While that deal was visible in a LARGE font, BURIED somewhere on that page in tiny print apparently was some nonsense about a subscription and a {$21.00} recurring monthly billing charge? Neither I nor I 'd imagine tens of thousands of other consumers are EVER aware of this subscription service and monthly credit card charge UNTIL it 's too late and they are stuck on automatic billing? To be VERY Clear, I did not seek nor intend ANYTHING other than a {$1.00} charge to my credit card for seeing my credit score on that day, I had NO IDEA of any additional financial commitment on my part. And ANY company doing business like this needs to be XXXX, this is an outright intended and deceptive, despicable business practice essentially " Tricking '' consumers into a monthly charge for a service they were n't aware of NOR Ever INTENDED to activate? I FINALLY Canceled the UNKNOWN subscription service, but of course they refuse to credit the {$21.00} service charge. I wonder how much money they 've 'snookered ' from others, I 'd bet its MORE THAN ENOUGH to Pay a HEAVY Fine to the CFPB! This is a SCAM, and made even worse given this just XXXX of XXXX ( XXXX ) MAJOR Consumer Reporting Agencies?? I 'd note these Credit Reporting Agencies still have n't suffered any COSTS, FINES or PAIN for their extensive involvement in the Housing Collapse and Financial Crisis? Please help me get my {$21.00} credited back and PLEASE make them add something BIG & BOLD, something that helps other HONEST CONSUMERS avoid this scam. Thank YOU!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: V and H Portfolio
State: PA

Complaint narrative:
A family member, one of my sisters, told me of a company called Vance & Huffman had been calling her daily and leaving voice mails stating they needed to get a hold of me for me to fill out paperwork. My family member finally was able to answer one of their calls to try and end their constant contact, she was at work when they called and unable to answer her phone. They again told her I had paperwork with them that needed to be finished but refused to state anything further when she questioned them. 

I researched this company online and found they have numerous complaints against them via the XXXX. Some other reports I found state they use phishing techniques to gather confidential personal information. 

I received a letter from Vance & Huffman stating they purchased my XXXX XXXX XXXX account and I owe them {$670.00} and if I do not reply in 30 days they will assume the debt is valid. 

I had run my credit report on XXXX/XXXX/2016 and the account they are claiming does not exist. I did have a XXXX charge card years ago and it has been off of my credit report for 2 - 3 years now, it was paid and closed. After researching this company I am leery contacting them via a phone call since they would now have my phone number, demanding money for an account that does not exist is why I am contacting you, I doubt my phone call would do any good in resolving this issue, I obviously want to avoid this company having any more information on me as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
Debt was paid and still listed on my credit report as a open collection, called and spoke to a supervisorXXXX and still nothing was done to correct the issue

Company response to consumer: Closed
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which has a XXXX. The fact the the credit bureaus did not further research what was placed on my credit which is illegal for a XXXX party purchaser to do has ruined my life. XXXX has refused to help me. They constantly transfer me to their other company XXXX who claims they do not need to provide me with information on this account, they hang up on me, they lie to me. I have never had any contact with this company up until XXXX when I called to figure what this was. That is when I learned by talking to an attorney, the courts and reading in detail about this for numerous hours that this is illegal. I can believe that the credit bureaus have the ability to ruin ones life with just one mistake such as this. I want this removed off my credit from all XXXX credit bureaus immediately. Please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on Experian and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted EXPERIAN AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and Experian kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.

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