vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In 2016, I suddenly received noticed that my Experian account had decreased by XXXX points. On my report, I noticed that Experian reported a delinquent payment from XXXX of my XXXX accounts, but neither XXXX nor XXXX had. When I called XXXX, they said that there should be no payments reported as delinquent, since they were reporting all payments as on-time. I then called Experian, and they told me even *they* could n't find any record of a delinquent XXXX payment. And, yet, in my credit report, they continue to list a recent delinquent payment. 

Experian 's account representative acknowledged the error, and could not find an explanation. I submitted a ticket to Experian 's engineering team, per their recommendation, and have only gotten a response that they 're working on it. Four and a half months have passed, and my Experian score continues to be at least XXXX points lower than my XXXX score and XXXX points lower than my XXXX score. 

No one -- not Experian, not the credit repair agency I contracted to deal with the problem -- can seem to figure out what 's going on. And, yet, my credit score continues to suffer because of this mysterious reporting error.

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 2016-11-26 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:
XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XX/XX/2016 Reported Since : XX/XX/2016 Date of Status : XX/XX/2016 Last Reported : XX/XX/2016 Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There was an incorrect tax lien filed in XXXX County Court in XXXX 2016. In XXXX 2016 the Indiana Department of Revenue notified the court to EXPUNGE the entry as it was done in error. All other credit agencies removed the entry however Experien has not

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 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a written a letter to XXXX Customer Service, in XXXX XXXX, XXXX XXXX, on XXXX XXXX, 2016, explaining to them that there some misunderstanding on my loan number # XXXX, I paid this loan in the amount {$100000.00} this loan was paid in full by my XXXX XXXX in the amount of {$1000.00} for the entire amount, still they list my account as Negative for payment as if I had made any effort to pay it? What is honest man suppose to do when you pay your bills in the right way? I have enclosed evidence for this accout-SEE ATTACHED.

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 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Inaccurate information is reporting on my consumer report.. Please consider this dispute & formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) XXXX is NOT my account 2 ) XXXX is NOT my account 3 ) XXXX is NOT my account 4 ) XXXX is NOT my account 5 ) XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX I never lived at this address 9 ) XXXX I never lived at this address 10 ) XXXX I never lived at this address 11 ) XXXX I never lived at this address 12 ) XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.

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 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I supplied a " statement of up to XXXX words '' some years ago regarding this debt. The credit reporting company has failed to report my explanation of this disputed debt to XXXX Bank, resulting in the denial of my application 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 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX I filed a complaint against Experian in regards to XXXX incorrect reportings on my credit file. The original case # is XXXX with the CFPB. I was disputing the fact Experian is reporting a State Tax lien against me and also Experian was still reporting XXXX student loans from XXXX XXXX that were paid and closed and XXXX stated that they would stop reporting the debts on my credit file. I disputed with all bureaus after XXXX XXXX made me aware. Since then XXXX XXXX have deleted the reporting of these loans. I contacted CFPB in my original complaint on XXXX. the response from Experian was that they would remove the students loans from my report. it is now XXXX and these loans are still reporting on my credit file! Experian told me they would remove them but yet they are still reporting them! i 'm attaching the response from experian that states they will delete the student loans! No other bureau is still reporting this but them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Received free credit report from Experian. XXXX unauthorized charges appeared on my credit card.

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 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i disputed item is showing as a tax lien judgement and has been paid for years and shouldve been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: MD

Complaint narrative:
XXXX XXXX from Glen and Associates calls our office 15-20 times a day, back to back. Belittling the receptionists and just being a bully.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not received any disputed wrong information that I asked Experian to delete from my report since XX/XX/2016.

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 2016-08-01 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:
Experian allowed XXXX to report a debt on my credit report that has already been paid and removed three times. This is the third time experian has reinserted previously deleted account. Please permanetly remove account with action professionals 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 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed several items on my credit report and they have not responded with proof or anything.

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 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXEXPERIAN XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX is reporting incorrect information on my Experian credit report. This is in reference to account number XXXX. See attached Experian credit report pages XXXX and XXXX. XXXX XXXX is reporting the following incorrectly : -Status : Foreclosure proceedings started. 
-Comment : Foreclosure proceedings started. 
-Payment history : Showing foreclosure as of XX/XX/XXXX and XX/XX/XXXX. 
This is incorrect information and I have disputed multiple times to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report inaccurate and unverifiable information regarding XXXX bankruptcies. I have repeatedly advised them that I filed no bankruptcies on these dates, in these courts for the amounts specified on the credit report. They have lied repeatedly saying that They have verified with the data furnishers, the courts. The courts have verified that They did not provide them with this erroneous information. Experian continues to report it while lying about investigating my dispute. I nhave Experian to provide the third party vendor that provided them with this false information and they have not complied.

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 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is misinformation on most of my credit reports and I would like it changed.

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 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

BANKRPTCY CHAPTER XXXX MUST BE REMOVE PER THE ORDER IN THE DOCS XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ XXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL

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 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I 've requested the documentation that was used to verify these accounts multiple times as well as the procedures used and have received no response. In addition, there are accounts that were reinserted after being deleted and I was never notified which is in violation of section XXXX. Lastly, there are accounts that are being reported my multiple companies which is double jeopardy and is in violation of a new agreement made with the CRAs. If a collection agency sells, transfers or does n't manage an account, it must removed : XXXX XXXX this account was previously removed on my XXXX report and the was reinserted on my XXXX report and you did n't notify me of said reinsertion which is a violation of section XXXX of the FCRA - remove this immediately! 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX I have no knowledge of this account - remove immediately! 
XXXX XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX you have the wrong balance and the date opened is not even in the same month that the account was opened in XXXX # XXXX XXXX does NOT hold this account and they must delete it because that is double jeopardy! If a collection agency sells, transfers or does not manage an account, it must be deleted. Not only that, but there has been no legal verification of this account. I do n't have a collection with this company!

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 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have tried to fill out their online form with my correct name address employer etc but when they ask me questions about personal details they do n't recognize me because their info is so XXXX. They want me to pay for my credit report or subscribe to some tracking thing when it has been over a year and they should just send it to me. There is no point of phone contact with a human just a run around of phone trees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Avantus, LLC
State: TX

Complaint narrative:
Im just XXXX my info has been use a lot. A lot of false info and reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I received a letter from Experian dated XXXX XXXX, 2016 stating that a creditor reported changes made to my name, address or SSN in the last 30 days. Upon receipt of the letter, I attempted to contact Experian multiple times via phone and on-line to identify specifics. I reviewed my credit report from Experian on-line and found XXXX inaccuracy which was a name change ( which I have never used ). I attempted to address this on line but was unable to do this on their site. I am still unsure if this was the reported inaccuracy on my report. In spite of going through multiple agencies ( my bank, FTC, and CFPB ), using all of the listed Experian phone contact numbers, I have been unable to contact a live person with whom to investigate and resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: PA

Complaint narrative:
I have a mortgage that is currently being held by Statebridge Company, LLC. In XXXX XXXX they stopped sending me a paper mortgage statement. I wrote a letter AND called every month requesting a statement. They did not reinstate my paper statement until XXXX XXXX at which time it said that my mortgage payment was reduced. I paid the regular payment anyway in XXXX. In XXXX I received a statement saying NO PAYMENT DUE. I called and was told that the payment was indeed lowered based on an escrow analysis and that my taxes AND insurance were still being escrowed. In XXXX XXXX I received a new analysis and my payment had skyrocketed. They informed me that my escrow was short and that they needed to recoup their money. They also informed me that they STOPPED escrowing my taxes. I never gave them permission to do this. I also do not know what happened to all the extra money I was sending prior to learning that my payment was lowered. They 've totally screwed up my account and created a payment I can no longer afford. They told me I needed to buy a property I can afford and it 's not their problem. I have nowhere to turn and can not afford the higher payment. I escrowed my taxes because I can not afford a large lump sum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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:
My wallet was stolen in XX/XX/2014 and a collection bill for XXXX, an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.

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 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was in a chapter XXXX. The mortgage company did not report my payments which I understand. My chapter XXXX was discharged in XXXX so I disputed the fact that it was not being reported because I had never been 30 days late. The mortgage company reported my payments and there were XXXX past 30 day payments on my report which dropped my credit rating that I have been working so hard to repair.

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