vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am requesting for the last time with this notice that the following inaccurate items be removed from my credit report. XXXXAccount Number : XXXX.The item are not correct result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Experian for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. You responded to be on XXXX via email with Outcome : Remains. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my XXXX I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the XXXX used by banks most of the time, next XXXX XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XX/XX/XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 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:
Experian is reporting XXXX XXXX XXXX - XXXX on my credit report when it was deleted from the other XXXX reports. I have contacted this collection agency and they have failed to provide proof that I owe this debt. XXXX and XXXX deleted it because they lacked proof. 

Experian is the only credit report that is reporting XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX and XXXX - XXXX. I am not sure how these XXXX accounts were able to be verified by you and but XXXX and XXXX deleted it. 

I also need help deleting the following names that are incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also need help deleting the following addresses that are incorrect. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Bank is reporting as the original creditor on my credit report and this company is out of business and have been since XXXX. This is a collection company posing as the original creditor. The last delinquency was in XXXX and now they reported a payment being delinquent in XXXX. This collection company is playing games with the law. I have not been delinquent on any accounts in the past 4 years. How can a collection agency pretend to be the original creditor. I want right to sue.

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 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The floor manager XXXX and XXXX call support staff on ( XXXX/XXXX/16 ) are XXXX stating that they are being given conflicting information by the XXXX XXXX XXXX XXXX because " XXXX XXXX will always show a record of the liens on my record '' while on the phone I placed a call to XXXX XXXX recording office and placed both XXXX and XXXX XXXX XXXX XXXX on the phone while having both XXXX then later XXXX to explain the " conflicting '' information. XXXX Experian employees where clearly told that because XXXX XXXX will forever show the liens it will also have a link that shows the liens where satisfied. Furthermore, XXXX XXXX was clear in stating to XXXX that Experian is the one that needs to vacate and remove these derogators from my credit report because they were satisfied and are no longer liabilities. XXXX refused to pass the call to a supervisor and when XXXX was finally placed on the line he refused to pass me to a manager to escalate this complaint so it can be removed immediately from my report. Also the letter received by the state of Oregon was not accepted as adequate information to remove the derogators from my credit report. Please help, it has been over 2 years fighting these derogators with no progress.

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

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 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:
Did not investigate and report properly, I have been disputing this file/account for 6 months. Reporting high balance at {$3800.00} Reporting Recent balance at {$3900.00} how can the recent balance be more than the high balance. 
where is the last payment made reported? 
1st date of delinquency 1st major time of delinquency

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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Georgia State Tax Lien was placed on my Experian credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Experian but the refuse to remove the lien.

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 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint on here on XXXX XXXX, XXXX in regards to XXXX XXXX XXXX improper validation of my so called debt. I sent them XXXX different letters, first being on XXXX XXXX, XXXX that was received and signed for on XXXX XXXX and the second being on XXXX XXXX, XXXX that received and signed for on XXXX XXXX, XXXX. Both letters were sent certified mail. XXXX XXXX XXXX replied back to my complaint that I filed on here, XXXX XXXX XXXX. Below is their response which is completely false and in accurate. 


" Response disputed XXXX XXXX XXXX XXXX said : Explanation of closure XXXX purchased the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX XXXX '' ) credit XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX by XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$480.00} was due on the account at the time of XXXX XXXX purchase. 
XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent a letter on or about XXXX XXXX, XXXX, containing validation. XXXX also sent a letter containing a fraud/identity theft affidavit with instructions for its completion and return. 

Response In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time '' I never received any such letters on the past dates that they are stating. I share the same name with my deceased father that passed away in XXXX. He was going through financial hardship in his last years, I already have a identity fraud case filed with all XXXX reporting credit bureaus. It is very easy for a parent who shares a name with their child to open accounts in the child 's name. Which is the case here. This debt does not belong to me what so ever. This account needs to be deleted from my XXXX XXXX and Experian credit reports. XXXX XXXX XXXX broke the law by not responding to me in a timely manner and not even responding at all. I never received the letters they claim they sent on XXXX XXXX, XXXX or the letter they claim to have sent on or about XXXX XXXX, 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 explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Lein has been released back on XX/XX/2015 experian still shows this on my credit report they need to remove this judgement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 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 trying to rent some office space, and XXXX and Experian are unable to locate me, and not willing to accept my US Passport, or copies of correspondence received at the address of record. I want them to email the report because the potential landlord needs this today, and Experian and XXXX want to mail it. There is no question as to my mailing address, since I have supplied them copies of documents received at this address.

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 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were XXXX repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the XXXX and the XXXX on the same loan. I have the paper stating they repossessed the XXXX and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the XXXX van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is XXXX %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has reports my address, phone numbers, and name incorrectly as well as my student loans status, medial bills reporting incorrectly. This has significantly affected my approval for 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 2016-08-19 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: GA

Complaint narrative:
Experian has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit 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 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I field a complaint due to inaccuracies reported on my Credit Report. The inaccuracy had negative effects on my score and consequently on my relationship with said creditor and others as well. I was unable to funding with creditors. 

I requested that the item be removed if the inaccuracy was verified. 

The inaccuracy was verified. Proof of the inaccuracy is that the Credit Reporting Agency made an update to my account. 

The acceptance of inaccuracies on my report due to my dispute should have the consequence petitioned on said dispute. The inaccuracies have had negative effects which need to be repaird as asked for in the dispute ; Removal of 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 explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
We own a small family business. Because we had a great credit standing, we coul n't ask for a home loan modification. When the economy changed here in XXXX XXXX and banks closed by FDIC, we lost credit and commercial lines, immediately we put our house on sale, with no luck. After a while we tried loss mitigation with the Bank but when a new mortgage deal was ready, the bank sold the loan to XXXX XXXX, which we found out who they were when they were foreclosing our home. After several attempts to keep our home and try to contact by letter their lawyer with offer to buy with no answer, we received a new foreclosure date for this XXXX. Our lawyer finally communicates by phone with XXXX XXXX lawyer and she desagrees to go directly to the owners with offer and gives a phone for loss mitigation dept, in SPS, inc. Last XXXX XXXX, 2016, I started conversations with SPS , inc, explaining all this and saying that for more than a year we have been offering money for the loan. Since then I 've been calling weekly doing exactly what told, and sending documents. Everytime I call I have to explain to a different person and they again give me new instructions and tell me to wait a couple of days or one more week for the answer. When I call they always remind me foreclosure date, XXXX XXXX, 2016 and I always tell them the same, why keep delaying?, they are not helping much. I was told this week I was going to receive answer to our offer, now today I was told they sent the offer to the owners to be considered and maybe it can take one more week. Is taking forever and time is what we do n't have. They send letters with an assigned relationship manager that speaks XXXX and everytime I call, I never find her. Every agent says different things, even the first one kept opened the loss mitigation case for us just in case we needed it and I sent all documents required for short payoff and later found out we were n't considered yet because the loss mitigation case was still opened ... really?, and they knew I was looking to short pay off. We 're desperate. We never knew how much XXXX XXXX paid to XXXX for the loan account because we found out late about them, but since that we offered to buy back and now with a higher amount is still difficult to get to the owners. Why not go directly to them since the beginning? They keep sending letters in XXXX, only with the ending in XXXX to make you call, knowing we speak XXXX. We bought that house, put our savings to live with our XXXX children and no one from the two different loan owners have been nice enough to help us keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
The Collection Bureau of XXXX XXXX sent me a purported debt regarding a medical bill. I requested verification and they sent me a medical bill with the XXXX redacted so I can not validate the debt. I demanded that it be resent to me with the XXXX visible so I could verify the debt and instead The Collection Bureau of XXXX XXXX/Collection Bureau Services contacted XXXX and XXXX verified the debt for me without my permission or sending me documentation so I could verify the debt. The debt remains on my credit report and both XXXX and the Collection Bureau of XXXX XXXX/Collection Bureau Services refuse to place it under disputed status. This is a gross violation of my rights under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation