vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is a judgment on my credit from XXXX XXXX XXXX XXXX in XXXX XXXX, MD. I paid off this judgment on XXXX/XXXX/2012, but it has remained on my credit even after speaking with the attorney 's office who accepted my payment on behalf of the XXXX XXXX XXXX. They have n't updated the major credit bureaus of my pay off thereby causing a severe negative impact on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Panorama Mortgage Group, LLC
State: GA

Complaint narrative:
I applied for a mortgage on XXXX XXXX, 2016. My scheduled closing date was today XXXX XXXX, 2016. The lender has caused me to miss my closing day. I supplied all of the documentation that was requested and still, I have not been told if my loan was ever even approved. I have asked about this numerous times and I get either no response or a " its in underwriting ''. It has been over 4 days now and I am in the dark as is my realtor and the seller. I am in an emergency situation where I must be out of my house by Wednesday XXXX XXXX, 2016 and I have nowhere to go or live. I do not know what else to do. My lender is dragging their feet on this. I know under Equal Credit Opportunity Act that the lender is required to render a credit decision within 30 days of application ( Regulation XXXX ). it has now been going on 60 days and I do not know anything at all. I escalated my concern to the manager, XXXX XXXX, and he told me " you are out of line '' and all I did was post a message on the companies XXXX page which stated " I am not having a good experience and I just need someone to please help me get my loan closed. Please help. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The criminal history section on my report is inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit report lists an incorrect " 90 days past due '' payment to the department of education for my student loans from XXXX 2012. I had made payments during that time to the new loan servicer ( " XXXX XXXX '' ), and have proof of these payments, so would like this incorrect information to be removed from my credit history.

Company public response: Company chooses not to provide a public response
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 — Account terms
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have disputed XXXX disputes regarding XXXX different collection agencies that have reported collections on my account. I have provided proof of all collections that were paid in full and Experian failed to fully investigate and remove thoses items which are currently hurting my credit score. First was XXXX XXXX XXXX, Second XXXX XXXX ( XXXX XXXX XXXX ) and third XXXX XXXX Bank ( XXXX and XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.

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 2015-06-02 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 am filing this compliant 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 XXXX 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 matter as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed with Experian about a collection account on my credit report ( XXXX XXXX ) and I stated ( between 3 and 5 times ) that the account was previously paid to the company XXXX directly, with no involvement of XXXX XXXX. The credit account was suppose to be removed since it was paid before the account was initiated.And of course XXXX XXXX never contacted me on the issue nor did XXXX, but I constantly am disputing the account since it was full in full to XXXX ( the final bill took a while to get to me since I moved to a new location but once received it was paid immediately )

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 2017-01-05 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:
This account is not mines. i have filed paperwork with he AG of Florida and filed dispute with company. company did not contact me prior to adding this account to my report. 


XXXX Account number XXXX Recent balance {$3700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 

XXXX FL XXXX XXXX, FL XXXX XXXX Address identification number XXXX Original creditor XXXX - XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$3600.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual

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 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX AND XXXX, XXXX, XXXX COMMITTED F.C.R.A. INFRACTIONS. BY RE-INSERTING ACCOUNT ONTO MY EXPERIAN CREDIT REPORT W/O 5 DAY NOTICE TO CONSUMER IN VIOLATION OF FCRA. MUST PAY {$1000.00} PER THE LAW!

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 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following company XXXX XXXX XXXX has placed their company name on my Experian and XXXX Credit reports erroneously. This is a college/ university, I have never borrowed any funds from this company. I once attended this college back in XXXX. Federal Student loan assistance was used to pay for my education XXXX percent. This company has know legal right under federal law ( FCRA ) to report any negative information about me to the credit agencies Experian and XXXX. I have been disputing this account with the bureaus, however it comes back " verified '' each time since XXXX. I have also requested validation of this alleged debt from data furnisher. What I receive from XXXX XXXX XXXX in reference to justifying this alleged debt, were documents showing I once attended their establishment. No legal validation/ verification has been provided to justify their company name on my credit 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 explanation
Consumer complaint received 2016-12-09 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 like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX XXXX Bank. I am going to provide the letter from XXXX XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditor and other creditors who inquire about my payment history.

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 2015-07-13 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:
I want this false debt to be removed or proved that it is mine. 

This is my rebuttal to the response from ALL XXXX credit Bureaus as well as XXXX XXXX. The information XXXX XXXX provided me as proof that Accountis my account, is the exact same information that all XXXX of the Credit Bureaus provided. 

I need LEGIT proof that the account is my account. Not just my " personal information '', that I, myself, provided to XXXX XXXX and to all XXXX credit agencies. 
What XXXX XXXX did, was send me back a general response in which they hope I will drop this and not continue to fight for proof. I have every right to request legitimate documents to prove this account is mine, as payment records with my signature and bank payments and so on. I am challenging XXXX and ALL XXXX Credit Bureaus verification methods. 

I have the right to see what proof, if any, that XXXX XXXX has to show that this account is mine. Any XXXX person can provide an new or old phone number, my address and so on. Half of that information is found on line for free. especially since I offered all of this information on my XXXX letter. 

I am requesting that ALL XXXX credit agencies provide me with something more accurate and legitimate to prove XXXX XXXX is my account. For example ... the original contract and a record of the last payments that were made, how they were made and when they were made. The dates this was reported on is not a long time ago, so XXXX XXXX should be able to furnish this information since I am completely sure this XXXX XXXX accounts is not mine. 
I am requesting a formal validation of this account ; I am entitled to request the following:1. Proof that you either own or were assigned the deb t from the creditor2. Proof that you have the right to collect this debt in the state of California3. Proof that your company carries a bond4. Proof on how your company assessed the outstanding debt5. Payment history from the original creditors ( must provide source of payment ) 6. Copy of the original contact bearing my signature. 

XXXX as well as ALL XXXX credit agencies are not complying with FDCPADOB : XXXX/XXXX/XXXXAccount Name : XXXX XXXXOriginal Creditor : XXXX XXXXAccount number : XXXXDate Open : XXXX/XXXX/XXXXLast Updated : None ShownReported Since : XXXX/XXXX/XXXXStatus : PAYS AS AGREEDCredit Limit : $ XXXXAddress : XXXX. XXXX XXXX XXXX NV XXXXXXXXAmount Due : $ XXXXLast XXXX of SS # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon trying to obtain a credit report at a car dealership, I was told I am reported as deseased through at least XXXX credit report company. After contacting them, they stated that my former bank told them I was dead and only the bank could undo the issue. I have tried writing to my bank 's credit compliance division ( as there is no phone or email contact info ) with 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 non-monetary relief
Consumer complaint received 2016-04-16 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: NY

Complaint narrative:
Unable to receive my free annual credit report from experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a medical collection on my report that is not mine, account # XXXX. I have disputed this information with Experian several times since XXXX this year and the collection agency ( XXXX XXXX XXXX ). I have send certified letters and requests to validate the debt and remove it from my report as it does not belong to me. Experian is failing to delete and re-investigate the collection. Experian keeps stating that " They have contacted the furnisher of the information and verified the account ''. The furnisher can not verify the account and because of that they have closed the account. I have filed complaint against XXXX XXXX XXXX ( XXXX ) through CFPB case # XXXX. XXXX is stating that they have closed the account and send the request to delete to Experian. I have disputed the information again with Experian on XXXX XXXX, 2015. Experian fails to re-investigate and delete. Experian continues to report false information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I noticed incorrect information on my credit report that belongs to someone else. I reached out to the company to dispute the information, but when they were done with the dispute they did not remove the information from my history.

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 2016-04-21 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:
My identity had been stolen in 2010 along with the identities of my XXXX children, since then I have been doing the best I can to regain stability, becoming homeless, unemployed seeking assistance while undergoing scrutiny of legalities which remain a very large impact of my life. At best efforts I remain as diligent yet discouraged as I can imagine to be the worst I 've ever confronted. However every time I pursue some sort of professional entrepreneur option & or application for work, seeking only to remain focused for my familiy and ultimate career goals I hit another invisible brick wall, which can not be explained in better ways than if it 's not XXXX thing it 's another probably due to finances ... Now I can properly employ myself with XXXX XXXX XXXX XXXX XXXX small businesses if I am able to find some serious contributing benefactors. However it is that I can I will exhaust the opportunity to prove that this negativity did n't need to be such an considerately low form of empowering the employable. Please take time to correspond with me in every form of contact information provided. I do thank you for you time and consideration. I do apologize if I may have inconvenienced you by any manner. Please enjoy your day.

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 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Experian continues to report the account incorrectly and needs to just remove the improperly reported account 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 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a tax lien with the XXXX XXXX XXXX XXXX in XXXX XXXX was paid in XXXX. The judgement was placed by XXXX. The account was paid and has a zero balance. XXXX has removed this information, but Experian will not remove it. I supplied Experian a copy of the XXXX report showing that XXXX has the lien as satisfied/released. They said they could not use this. XXXX will not supply me with any information regarding the account since it was closed. Please have this removed from my credit report. I have attached the XXXX report showing the status of the lien being satisfied.

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 2017-01-31 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 recently received a copy of my Experian credit report. The credit report showed a hard credit inquiry by XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/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. Please have these inquiries 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 non-monetary relief