vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Set up a automatic payment program with XXXX. Made no changes on my part. Mid stream the changed. It appears they used an outside source - caller ID not provided - first question is my full SS. Communications broke down on their change. Repeatedly told them to take payment. They did no, .have contacted bank to no avail. The impact is a XXXX point problem on my credit rating. Never changed anything on my part Same accounts to withdraw from. I seem to be caught in a procedural issue.

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 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several Inquiries on my Experian Credit Report, I have spoken with both the Credit Bureau and Original Creditors but have not been helped. I have continuously been bounce back and forth between the companies and Credit Bureaus. This is unacceptable and I would like all inquiries removed ( as they are all duplicates ).

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 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am disputing hard inquires on my credit report because this is fraud and does 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 2016-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This company name XXXX XXXX XXXX has reported that I owe {$80.00} to them. This information is inaccurate because I never received a parking ticket with the city of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a bankruptcy from 2005. It was filed ten days before the newBankruptcy laws were effective therefore does not fall under the ten year rule and should be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I initiated a dispute with Experian, XXXX and XXXX on XXXX regarding inaccurate information reported on XXXX of my student loan accounts. As of XX/XX/XXXX the information had still not been updated despite the fact that the creditor had updated my accounts and sent out updates. On XX/XX/XXXX I requested cancellation of the disputes with all XXXX bureaus and sent documentation from the creditors directly to XXXX and XXXX in an attempt to have my file updated in order to be approved for a home loan. I was not able to do so for Experian. I spent over 90 minutes on hold, explaining the situation again and again, I was transferred 5 times and told my only options were to upload documents to the website or to mail the documents. The website was not working and no one would help to resolve the issue. I attempted to upload in pdf, with a file size of XXXX, which per the websites instructions was perfectly reasonable. I attempted XXXX different browsers on XXXX computers, I renamed the files, I tried to scan the pages individually. Nothing worked. Not a single representative with Experian provided me with a phone number, an email address, a name or anything else to assist me in sending these documents. The accounts in question should never have been reported as delinquent and are preventing my husband and I from making an offer on a home as we can not obtain a pre-approval. I am beyond furious that on top of being penalized and having my FICO driven down by erroneous late payments ( 3 years of late payments being recorded while these loans were included with a bankruptcy by the co-borrower on the account, not even me! ) and now I can not even update the credit file in order to obtain a home loan and not a single person with Experian lifted a finger to try to help me in resolving this quickly. It had already dragged on for more than 2 weeks. I am quite sure there are other secure methods for sending information, or someone within the company who could have assisted. Further, if their website is n't going to work then someone should be taking responsibility for ensuring there is either an alternative method that can be used besides mail ( seriously, you want me to wait ANOTHER 7-10 business days on top of the 10 I 've already waited because YOUR website is n't working?????!!!! ) to send information securely. As it is, we will likely lose the home we are trying to make an offer on due to mistakes that are not mine because no one was willing to help 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 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

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 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.

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 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I tried to do this but was told I was not eligible to dispute the information online and needed to mail my identity sensitive information to them but for security reasons they would not mail the information back to me. I am not comfortable with mailing my drivers license and social security card to them. This is keeping me from being qualified to purchase a home and is VERY time sensitive. Experian Credit Agency has my SS # incorrect in their records. I also tried calling them but was unsuccessful in getting to speak with a person

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25 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: CA

Complaint narrative:
was trying to utilize the free credit report for the 7 days and you are suppose to cancel within the 7 days and this company want your entire credit card number and they do n't want to look the account up with the member ID number which they assign to various accounts in order to know which account holder they are talking to on the phone XXXX and once you cancel the membership they are suppose to send you a cancelation number which they send to your email this company fails to honor there advertisement.

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 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND XXXX AND PROBALY EXPERIAN STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP 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 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have repeatedly been asking Experian to " investigate '' false information on my credit report. They are not investigating anything because they keep " verifying that it 's correct ''. It 's not correct and if any actual investigation was done, they would know that. All the other credit bureaus removed the inaccuracy with little to no problem. There is no valid phone number for experian unless you want to buy something from them. They will give you a secret phone number that supposedly works if you buy a report or product, but I do n't want to buy anything. I want them to do their job. Do they get paid to pretend I have bad credit? Why do they go out of their way to NOT fix errors? Kickbacks from the banks for charging higher interest rates than I should have? I was on their website this morning filing yet another a dispute request ... the webpage stopped working in the middle of the process ... I have no idea if it even went through or not. So, I tried to log in again, and now they have locked me out of the online website entirely ... claiming I 've exceeded the amount of times I 'm able to view a report ...???? I do n't want to see my report. I want you to get rid of false information. Why is this so hard?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Submitted a dispute with Experian. They immediately respond that debt XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX2011 indicated the debt is mine. I viewed who the collecter is collecting a debt for and I never attended the school. So to fraudulently hold me for a debt I am not liable for is outrageous. They have had this fraudulent debt on my credit report since 2011 and requesting that it immediately 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 explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have XXXX addresses listed on my Experian credit report that do not belong to me. I would like to have them deleted. The XXXX addresses are : XXXX and 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 2016-02-24 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: CA

Complaint narrative:
I have tried twice to let experian know that they have unfairly reported my credit score way too low and they still wo n't honor my request which is now discriminatory. 
transunion has me at XXXX equalfax is at XXXX and these guys are at Experian have me at XXXX. I have paid on time with XXXX credit cards with no late payments for four years and XXXX mortgages at 2 years this is after my bankruptcy of XX/XX/2009. So for seven years I have a perfect payment record. I 'm a widow that my spouse died 5 years ago with a XXXX we were dealing with. I have XXXX children and I need to refinance. 
Please resolve this thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 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:
Experian is reporting a collection on my credit report with XXXX that should not be on my report. Account Number XXXX should not be on there as the other XXXX bureaus deleted them from my credit report. I have contacted XXXX that the {$590.00} that they are claiming that I owe XXXX has not been validated by the FDCPA.

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 2015-04-21 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: PA

Complaint narrative:
Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports since XXXX 2015, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( 15 USC 1692 ), especially section 807 ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States.

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 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In XXXX we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
I have several student loans with SallieMae currently totaling over {$1100.00}. When paired up with my federal loans I am paying over {$1300.00} out of my roughly {$2000.00} in monthly earnings. Long story short, after factoring in living expenses I am spending more than I make and have been compensating by using some money from savings to help with my loan payments over the past several months. This is money that I reserve for special circumstances ( medical, auto ) and even if I 'm lucky enough to not have an emergency need, the fact that I 'm constantly taking out more than I 'm putting in means at this rate I will go into default on my loans at some point. Knowing this I attempted to call SallieMae today to inquire about an interest rate reduction program that I 've heard they offer to clients who are having financial troubles. I was frustrated to find out that they only offer this plan to clients who have already gone into default on their payments ( which to my understanding would not be good for my credit score either ). So basically I need to keep doing what I 'm doing and until the money runs out and SallieMae actually helps. It is extremely upsetting that I can tell them ahead of time and prove with my finances that I 'm headed for trouble yet they wo n't throw me a lifeline until I 'm actually drowning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a letter to Experian requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and both judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.

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