vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 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:
Experian is blocking my attempts to dispute entries on the credit file they keep on me stating that they are previously verified. Things change and/or are incorrect on it but I can not even correct anything because of them. This is illegal and they have been routinely doing this to the public for a few years now, please help.

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 2015-06-15 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: NC

Complaint narrative:
I submitted a formal written request directly to XXXX in a " special '' account handling department. XXXX requested that I fax her a request to place the security freeze on my credit report and advised she would process it and issue confirmation and disclosure of system generated PIN. I faxed that over 2 weeks ago. I received a notice dated XXXX XXXX, 2015 with an explanation on how to set up a security freeze. Experian has verification of identity, address for the last two years, social security number. XXXX has this documentation. I have provided this documentation over XXXX times. This is ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian lists cell phone numbers which are mine. the incorrect numbers 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 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was denied {$85000.00} in credit because EXPERIAN CREDIT REPORTING AGENCY is constantly holding on to my old phone numbers of the past 15years..and even though I have tried many, many times to solve this matter .The agency just Laughs.Told me there is nothing I can do.!!!! ..That they 'll remove it when they get good and ready ... This is rude!!!! ..Also : they have a lot of inquires that I did not approve of..on my FILE!!!

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 2017-03-01 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 am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a Credit Freeze, I was not able to get any of the reports online. I try to contact all XXXX bureaus but non offer an online or telephone call to remove the CREDIT FREEZE, please help, they are killing me with denials due to unable to see 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 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I placed a credit freeze on my credit bureau. When I did it, they should have given me a pin number to unfreeze the account when needed. They did not do so. I have attempted to obtain the number from Experian, but they have failed to give it to me. I have included a screen print for your records showing that no pin number was given.

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 2016-07-26 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: OR

Complaint narrative:
Experian has been emailed but I have not yet received a response. My story is below. 
-- -- -- -- I was denied a mortgage loan due to my FICA score being too low. In an effort to see what could be fixed on my credit report I ran into no end of hassle and frustration, constantly plagued by advertisements and upsells - all to get information that is specific to me and no one else. XXXX, XXXX would n't even tell me how much money they were going to charge me to see my scores - I purchased it through a different agency. 
So we start with the ol ' " let 's pull our Free Yearly Reports '', only to discover that the free report is fine and dandy - but it does n't include your credit score. To see the actual number that is used to judge your fiscal morality, you got ta pay more money. 
So I do. I XXXX it up and I pay. And then I pay even more so that I can see all XXXX reports and all XXXX scores. 
XXXX! Experian screams from my screen - if what you want is a MORTGAGE, that 's a completely different number - and we get to charge you for that XXXX too! 
So I pay again. I again go through the process of removing myself from all of the spam and upsells. I stop the " free trial that we 'll surreptitiously charge you $ XXXX for as soon as you forget that you came here ''. 
24 hours later I received an email from Experian - explaining that they can send me email if they think it 's important to my account. The content of the email? XXXX more offers to take my money to correct a number that I have to pay to have access to. 
Lastly, on digging around to try to find out why my XXXX score is so low ( a full XXXX points below my actual credit score - which becomes a barrier at this point ) it turns out that my XXXX score is provided by yet another company collecting my information without my knowledge, using yet another mysterious formula that is supposed to psychically predict whether or not I 'll have problems in the future ( you know - the same thing that the other XXXX credit scores are supposed to track ). 

The system is rigged. We are all unwilling participants in a game where the rules are secret and can be changed at a whim by people that obsessively grub for money from those of us that have the least amount of it.

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 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently discovered an outstanding debt on my credit report. XXXX XXXX said I owed them {$420.00} and assigned the debt to a collection agency. I never have had XXXX and they will not respond to my requests to verify the debt is mine and Experian also will not remove this fraudulent issue from my credit report. I am in the process of filing a complaint with the FTC, and will be filing a police report as well. Is it possible the CFPB can help me with this. As soon as I receive a copy of the police report I would be willing to share it with you along with any other documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
incorrect information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXXThis complaint is a supplement to the Office of the Comptroller of the Currency case # XXXX. According to that complaint, Chase bank claims a factual dispute between myself and the bank employee who entered the errant address XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx. XXXX, based on my instructions. And of course, I dispute their claim. In addition, this subsequent complaint seeks answers to the following questions and request documents that Chase failed to address in their previous response dated XX/XX/XXXX : a ) Is their bill pay envelopes required to have a return address ;, b ) if so, provide proof that the XXXX, XX/XX/XXXX and XX/XX/XXXX carried a return address, tracking code, or mail meter stamp ; c ) provide copies of the front and back of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX signed checks by Bank Manager . Based on the bias assumption held by the bank manager that XXXX XXXX provided errant information, did that perverse assumption interfere with her doing her job of monitoring the paper checks for accuracy before signing them? The only way for us to find out what the bank manager 's actions were is to have the bank produce these checks. The original scenario suggested by XXXX XXXX is more fitting as to what happen then the prevarication offer by the Bank. XXXX XXXX suggested that the clerk entered the wrong information and that when the Bank Manager realized that she signed the paper check with the wrong address, she and her employee colluded and manufactured a bogus story. I am requesting that your agency have Chase bank show proof that the XX/XX/XXXX and XX/XX/XXXX were mailed out and given to the mail man for delivery. Also, state the names of the employees who mailed out these payments. Please explain how both the XX/XX/XXXX and XX/XX/XXXX became available in my account at once after I notified the bank of 55 day car default notice. It appeared that no one noticed the fictitious address until after the delinquencies occurred. I ca n't believe a bank customer service rep entered a wrong address, a bank manager signed the check with the errant address, a postal worker, and a financial company accountant failed to notice a city called XXXX, Tx. each time they processed these checks. Finally, I am requesting that Chase explain why I was mailed a fraudulent letter on XX/XX/XXXX signed by a non-existing employee, XXXX XXXX, who did n't work in that capacity reflected in the letter. Please identify the employee by name and the reason they generated the letter which implies that the bank committed an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I XXXX experience hardship due to car issues, ill parent, and child XXXX that has caused me to miss work and therefore income. I applied for a loan remodification and was decline. I believe Bank of America does not want to assist me because the property value of my home is high and they will make money but selling the home. The initial modification ballooned my payment higher than what I originally paid. Therefore causing me to fall behind on my note. Now they are proceeding with foreclosure. I do not find this practice just. I have submitted documents which were the same income and bills that approved my first modification. Please help. I do not want to lose my home.

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 2015-05-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XXXX XXXX 2015 @ approx. XXXX pst, I went to the XXXX located on XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX for an ATM withdrawal. The ATM gave me an error message of " unable to process request '' and gave me XXXX options- try new transaction or give back card, knowing what my true balance was I knew this was a mistake so I opted to try new transaction and received the same message " unable to process request '', so I decided to press the " give back card '' option and go to the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX , NV ( Note : My Bluebird American Express Prepaid Credit Card is through XXXX ). I went to the ATM machine at the XXXX XXXX and it was out of service so I then asked a XXXX employee if the Bluebird card allows me to do cash withdrawals at the XXXX XXXX, the XXXX employee stated yes, so I swiped my bluebird card on the keypad at the register and the XXXX employee asked how much I would like, I stated " XXXX '', the XXXX associate received an error message of unable to process transaction error message, so she asked me to swipe my card again, so I swiped my card per the XXXX associate request and received the same error message " unable to process the request '' so I asked can we do a balance inquiry, she said yes and balance inquiry stated I had XXXX, prior to going to the ATM I had just checked my account and had a balance of XXXX, so I went back to work since I was on my lunch hour, logged into my account and it showed I had a ATM withdrawal of XXXX on XXXX XXXX 2015 Transaction ID # XXXX, I grew very concerned with this information since I cane to work at XXXX and work nights and sleep during the day and I am VERY detailed and diligent with my finances, I contacted American Express at their Customer Service # ( XXXX ) and spoke with " XXXX '' at approx. XXXX PST on Tuesday XXXX XXXX 2015 who confirmed that they had showed in their system that the ATM did NOT give me the funds and that " I '' the customer would need to to write a letter to an address that she was going to provide ( which is also can be found at bluebird.com ) and American Express would investigate further. I then requested to speak with a supervisor who left me on hold for an obnoxious period of time which at that point I disconnected the call because I was at work and decided to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to upload additional documents to dispute incorrect information on my credit file and Experian 's upload site will not let me upload files nor will it allow me to dispute the 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 2015-04-11 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:
They said the ss number belongs to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
8 to 10 collection accounts with inaccurate reported data. All medical accounts were there without my knowledge, assumed paid by insurance and or paid by me in full. Additionally, collection accounts for XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX are all accounts that were paid in full and no longer require payment due to fulfillment of the loans, lease agreements, and/or account balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-16 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:
Currently on 3rd dispute with Experian ( not on any other CR ) XXXX account number per CR XXXX 1st disputed as not mine and supplied police report, ftc, and statement. 
Experian response will take 30 days. When I called up they said 605b request to block must name XXXX specifically. 

2nd dispute, supplied police report with XXXX named as fraudulent. 
Response from Experian wait 30 days request for block denied with no reason. 
30 days passed account changed from charge off with balance to charge off XXXX balance? 
I recived a letter from XXXX stating I am no longer liable for the debt. I uploaded document to Experian and called in. 
On XX/XX/XXXX Experian employee XXXX XXXX ( Super helpful ) actually called WFDS with me on the line. 
XXXX - we do n't have that account number. 
Can we try your Ssn. 
We found that account, charge off with ( name edited ) account included in bankruptcy with ( name edited ). 

Me- this is a fraudulent account, I did n't do-sign with her. 

XXXX would you like to open up an investigation? 

Me -yes. I also have a letter releasing me from liability of this account! 

XXXX correct you are no longer liable. 

Experian - response, we ca n't remove it as XXXX did n't verify it as fraudulent. Open up a case with them and then re-dispute. 

So how did they ( Experian ) investigate this the last 2 times if XXXX has no inclination that I was claiming it as fraudulent. 
I need ( Experian ) to follow FCRA 605b Block fraudulent information and or conduct an adequate investigation! 
The account number it self is n't even correct! 
Maybe start off by telling the creditor that it is claimed as a fraudulent account.

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 2016-08-16 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 disputed the XXXX XXXX account many times with all of the credit agencies. They have all removed it except for 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 explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Had a foreclosure on a property in XX/XX/XXXX which included my XXXX and XXXX with XXXX XXXX XXXX. We were released from any further action or collection at that time from the relief issued at that time to mortgage holders. The house was sold and they recouped almost all of their money. Either way the accounts should have been marked as foreclosure and stopped reporting. Then XXXX XXXX XXXX started trying to collect on the XXXX mortgage even though the lien was released and they were done collecting supposedly. To date they are still reporting on credit, as a Mortgage account which it can not be because the house was given XX/XX/XXXX yet Experian is still showing it as 120 days late as of XX/XX/XXXX and has been reporting it this way and ruining my credit since XX/XX/XXXX. I have challenged it with Experian and they have verified that is reporting properly, I have asked for the note that shows I still owe it if the property is foreclosed on and they will not respond or produce any validation information. Then they transfered it to a company name XXXX that has also been trying to collect it from me and we have even tried to pay them to get it to go away. Either way the are both reporting at the same time n my credit, I dont owe and shouldnt owe either of them and they are hurting my credit and I am unable to get any relief after disputing the misreporting with Experian and XXXX for XXXX and then again Experian for XXXX XXXX XXXX. I have read about my rights and this is a clear violation of FCRA and they are liable for hurting my credit and keeping me from reestablishing my credit and buying a home. Please help enforce this and keep them from hurting my credit any longer. I have uploaded the most recent credit report from the mortgage company that said I dont qualify and only because of these reporting accounts. I have also attached the response from Experian. I tried to challenge them again asking for validation and they sent me a notice saying I can dispute any longer as well. I have attached that as well. Please help.

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