vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filling this complaint because my multiple requests have been ignored by Experian. I have requested to be provided with documents that their company has on file that was used to authenticate and verify accounts shown on my credit report, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be authenticated and validated with accuracy, that I disputed. 
I originally mailed a letter on XXXX XXXX, 2015 to Experian requesting verification and validation of multiple accounts reporting in error. There were account that remained on my report but I never received validation or verification of the accounts. I followed up with a letter on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 requesting a re-investigation. Once again accounts remained on my Experian report but I did not receive validation or verification of the account. 
The following accounts remain on my report without being provided authentication or validation the information is in fact accurate : State tax lien Fed XXXX lien XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Please resolve this manner as soon as possible as I have attempted multiple times to be provided with evidence of these accounts and have yet to receive any validation or verification of these accounts.

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: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

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

Complaint narrative:
My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!!

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 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I saw ( Year of birth XX/XX/XXXX ) on my Experian credit report I was shocked. I was born XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: VT

Complaint narrative:
I originally had a mortgage with XXXX Bank. A few months ago the loan service was transfer to Statebridge. I had a " hail damage '' claim and the checks had to be forwarded to the mortgagor. Currently, Statebridge has the estimated {$25000.00} in their escrow. 

I have given everything Statebridge has requested from me. They even paid an adjuster to take pictures and monitor the progress of the house repairs. The roof is completed and the siding is 90 % completed ( waiting for the windows ) I spoke with a XXXX XXXX and she said on XXXX XXXX, 2016 that she would releace the money so I could paid the contractor and part of the Supply bill to XXXX XXXX XXXX. 
I have faxed and or e-mail XXXX XXXX and the company. As of this writing Friday XXXX XXXX, 2016 at XXXX XXXX no one has responded to my correspondence. 
The contractor has workers that have families to shelter and feed and their is no reason whatsoever that Statebridge should hold the monies Your assistance in this matter is greatly appreciated.

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 — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX was not properly and accurately reported. 
1st date of delinquency is not reported Last Payment date is not reported 1st Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.too much time has elapsed since my initial inquiry.

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 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX, New Jersey XXXX department increased my child support payment amount by {$20.00} per month but did not make the change with XXXX garnishment operations. The result was a {$140.00} balance of which I was unaware. Probation indicated that the account is in collections on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a XXXX who was receiving XXXX from VA. In XXXX 2009, I was involuntarily called up for XXXX. I went to the VA Representative at XXXX XXXX IN and completed documentation to stop payment since I was being sent back to XXXX XXXX. I then left for service in XXXX. Apparently the paperwork was not submitted in a timely fashion to the VA, and they continued to send payment unbeknowest to me. Upon my return, I had this debt of XXXX dollars that had been given to the XXXX for the VA. I contacted them an paid back money. I have asked twice to have debt removed from my credit report to no avail. Please help. 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 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANKI Feel like Experian is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 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 recently obtained a copy of my credit report from Experian, and discovered that XXXX XXXX claims to have charged off an installment loan of mine. The date on the report that the account was opened ins XXXX/XXXX/2006. The account number on the report is : XXXX. 
The report indicates that it was a 60 month loan but there is no amount listed for the loan. 
I have never signed any documents with XXXX XXXX, and have not failed to pay any installment loan on time for any creditor. I want this error removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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:
I reviewed my updated Experian Credit Report ( XXXX/XXXX/2016 ) after getting an email from Experian that there was an update to my Credit Report. When reviewing my Credit Report I observed that Experian has failed to remove XXXX hard inquiries that I have been disputing for a long time. The same inquiries reflecting on my Experian report have already been investigating and deleted from my Equifax Credit Report. Experian delay in resolving this matter is causing a negative effect of my creditworthiness and credit score.

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 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting an inaccurate Dismissed Chapter XXXX BK filing with the Illinois Federal BK Court case # XXXX associated with a social security number # XXXX I have disputed this several attempts to have it removed based on the FCRA Law of inaccurate filing. I have contacted XXXX XXXX XXXX that the Experian Bureau says they are verifying the information. Experian keeps stating " IT IS VERIFIED ''.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low ( EXPERIAN ). All three reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, XXXX, and experian ) had three different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.

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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed XXXX tradelines in my credit file & report that does not belong ( XXXX XXXX XXXX, XXXX ). The company reporting the tradelines had no right to be reporting any information on me to any CRA. As a 2nd issue, the information is also inaccurate and incomplete. I disputed this information with XXXX, Experian and XXXX. XXXX has recently deleted the XXXX tradelines. Only XXXX & Experian are still reporting. To date, I disputed the tradelines 3 separate times directly with each CRA. I also disputed the alleged accounts with the furnisher directly on at least 2 separate occasions. At no time did the CRAs forward to me any documentation supporting how they veirifed the information & tradelines. I want the items deleted asap because at no time was the company a creditor of mine nor were they working on behalf of a creditor of mine and XXXX & Experian did not & could not conduct a reasonable investigation under the statute without the proper authenticated documents. Also, how could this information be deleted in my XXXX credit file but be verified in my XXXX & Experian credit files & reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 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 have contacted and sent Fraud Affidavits to Experian with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Experian have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX, XXXX, GA and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.

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 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IA

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 non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here 's the info that I am disputing : XXXX XXXX XXXX XXXX # 1 The filing date that you have listed is NOT the filing date that I am looking at on the petition # 2 the docket # that you have listed is wrong : there are NO LETTERS in the docket #! 
# 3 you have the court name, city and state abbreviated and you must have this listed accurately and completely and it is NOT XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for XXXX states XXXX/XXXX/XXXX, Experian states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely. 

XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 You have that I was 30 days late in XXXX of XXXX and I 've already notified you that I was NEVER late in XXXX of XXXX and that the other XXXX bureaus have me reported as paying on time which means that either XXXX of them are wrong or YOU are wrong

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 2015-06-26 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 a XXXX in state of California with my dad. We opened the company back in XX/XX/XXXX and had some employees at the time. So we fell behind with payment for Employment Development department ( EDD ). So in XX/XX/XXXX and XX/XX/XXXX they put few liens on the accounts. Since then we resolve all the past due balance with EDD and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I did an online money transfer to Western Union in the amount of {$500.00} ; which was paid through my bank and funded onXXXX/XXXX/15. One day after, I called just to make sure that they receive he money I wired and I was told that I can go ahead and tell the receiver in the XXXX that the money can be picked already. My aunt who is senior citizen had been back and forth to the pick up location in XXXX and was told that the money is " held " by the sender. I had made XXXX other calls to Western Union and each time they told me to be rest assured that the money can be picked up already. I called again today and low and behold I was told that it 's till in progress! This is ridiculous and very dishonest not counting the hassle it caused to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have requested the terms of my original promissory note to be provided and Navient has refused to provide the documents corresponding to my original promissory note. I have requested a payment reduction. After being told I qualify for a different repayment plan and going through the efforts to provide detailed financial information, I was then told by Navient that I do not qualify for any payment reduction despite experiencing a financial hardship. They have refused to extend an extended repayment plan or an income-based re-payment plan. I am still in school completing a XXXX and they have refused to allow me an in-school deferment. Finally, I have requested the process by which I can apply for a reduction in interest rate or refinance given my now existing excellent credit. They refuse to give me any information about how I go about requesting a rate reduction. First I am told that I can apply. Then, I am told that I do not qualify yet they can not tell me the criteria by which one qualifies. I have also requested a release of co-signer and they refuse to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my Transunion credit report. The credit report showed a hard credit inquiry by XXXX for XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, & XXXX XXXX that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I called XXXX and spoke to a Supervisor named XXXX # XXXX. She informed me that the issue was going to be addressed and resolved. Unfortunately the mentioned hard inquiries are still appearing on my credit report. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. Please be so kind as to forward me documentation that you have removed the hard inquiry. If you find that I am mistaken, and I did provide authorization to inquire into my credit report, then please provide me proof of such authorized inquiries.

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 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx

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