vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted an application to lease an apartment. The credit check Rental Report lists in the column with information from EXPERIAN, the address of my ex-husband XXXX an address where I have NEVER lived! EXPERIAN does n't have any way for me to dispute to REMOVE this incorrect information on their website or by their automated phone system. PLEASE GET THIS INCORRECT INFORMATION REMOVED FROM MY FILE AND THE RENTAL REPORT updated. Thank-you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
my name is XXXX XXXX and i currently reside at XXXX XXXX XXXX XXXX XXXX XXXX.as i was reviewing my credit report i notice there are items listed on my credit report.that does't belong to me.i want to verify that my name is spelled XXXX XXXX and not in any other way.the only credit card that i had applied are from XXXX account # XXXXand XXXX account # XXXXalso.the only adresses that i lived are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are credit cards listed on the credit report that i had never applied before nor had i lived on the adress that listed on the credit report. 
please remove all other items that did n't belong to me. 
thank you for correcting my credit report. 
your help is greatly appreciated

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 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
CREDIT REPORTING AGENCY REPORTING INFORMATION DISPUTED/NOT VALIDATED pursuant to FDCPA this data must be removed absent the validation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Hello, Almost a year ago I submitted information to remove a fraud alert on my account. I have submitted this information to the XXXX address of Experian 4 times now and the fraud alert is still on my account. the information that was the " results '' on my last complaint ( XXXX ) was what I had ALREADY sent them, but I, as requested, sent again. Please help me. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are tax liens showing that were not suppose to be filed and have been advised by IRS and state that the liens had 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 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have several hard credit inquiries on my credit report I have not approved any agencies to inquire about my credit.Also there are accounts that are over 8-years old that I have asked to be removed and they 're still there and when I request they be removed I am given the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I sent money transfer around XXXX XXXX. I always send Money transfer without Id. I have doing it for years for family members. I also have received money transfers. Agent states as long as its {$100.00} or less, you can send without ID. There is no change in sending funds regarding Id, unless funds go over a certain amount. Receiver was unable to pick up money transfer, and was told by agent it is being HELD. The receiver was asked for ID. Receiver does not have Id. We requested to have Money Transfer name change so money transfer funds can be picked up. Numerous calls were made, along with emails, and faxes to change info without success. I sent another money transfer in person that has id, due to the long time it was taking to have info changed. The XXXX transfer was sent XX/XX/XXXX. two - three weeks later. The original transfer funds are not being released back to me, ( sender ). Western Union requested to have a letter of explanation. I have sent that also. I continue to call, Western Union reps state the same info each time did you send Id. I explain I have already sent another transfer. This transaction needs to be cancelled. Western Union is now requesting additional info. I am requesting money transfer to be cancelled and refunded. it has been over 45 days that original transaction was done, it will soon be 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 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 have filed several requests to have information on my report ( as outlined in the attachment below ) blocked from my report under FCRA 605b due to identity theft. To date all Experian has done is send a form letter each time telling me that my identity theft block request is not valid because I have failed to provide the required information and gives a list of information I should send. I have sent all information on the list provided each time I request Experian to place the block. Why is my block request not being completed? 
I am not asking Experian to open a new investigation of these identity theft accounts, I am asking them to block accounts within XXXX business days as per the FCRA. 
Attached file contains my report to Experian specifiying which accounts to block, all my identifying information ( full name, list of addresses for past two years, social security number, date of birth ), a copy of my valid identification, a copy of XXXX utility bills in my name listing my home address dated within 30 days, a copy of the police report I filed in regards to the identity theft, a copy of my completed FTC ID theft Affidavit including law enforcement information. I have provided everything on your list. Please do your part and block the accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Dear CFPB, I have a credit freeze with all XXXX major credit reporting agencies. I am routinely able to temporarily lift my freeze with XXXX and XXXX. I am however unable to lift it with Experian. I have written them several times ( XXXX XXXX XXXX, TX XXXX ). Each time they send me a new pin, but I am still unable to lift the freeze. They do not tell my why and they do not provide any means for me to contact them to resolve this issue. I can only assume they have some incorrect information about me ( birthday etc ), but because I do not know what it is, I am unable to provide the correct information, even if I had some way to contact them. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I requested a XXXX XXXX XXXX XXXX Credit Card and was denied twice. First based on report from XXXX XXXX ; reason " Insufficient Credit History ''. Resubmitted and received report from Experian ; Reason " Unable to Verify Identifying Information ''. Credit score XXXX out of XXXX. XXXX See attachments )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Ascend Consumer Finance, Inc.
State: CA

Complaint narrative:
I applied for a loan. They declined the loan based on the numbers I provided, which they have every right to do. However, they did n't tell me they had made that decision. Instead they did n't tell me they had made a decision, and asked me to send them a lot of financial information. These requests would be okay if they were still deciding, but once the decision had been made, it should have stopped. These requests continued for 2 days after they had already decided, and they refused to explain this to me when I asked about it after.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In progress dispute for Case number : XXXX. The company 's answer is not relevant to the situation. Clearly a stock answer they have brewed up. I HAVE disputed the information and can not access the dispute. Furthermore, I am unable to submit any disputes online. The system rejects me any time I try. Finally when I try to call to fix it I am passed around like a hot potato. There is erroneous information on my credit report and I want it fixed. If you wo n't fix it I need to be able to dispute it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX, XXXX, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, XXXX, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Experian XXXX XXXX Item Status : Was removed XX/XX/XXXX. Item removed on multiple dates but latest credit file showing item re-inserted after FCRA period of expiration XX/XX/XXXX. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, 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 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I requested copies of any documents in their files from national account system. After filing a dispute with the bureaus I received a letter saying they verified the debt and updated my file. I then send a letter asking for them to send any documents in their files that They used to verify the accuracy of the account I 'm dispute according to the law. I have that right to request. I also demanded that the account be properly verified or removed. They never verified or send the requested information that I send certified with their signature. So I send a letter to credit bureaus and the original creditors XXXX send a document of last activity XX/XX/XXXX-XX/XX/XXXX. They re aged my account and is still reporting.

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

Complaint narrative:
I have incorrect information on XXXX, Experian and XXXX reported by XXXX ( XXXX ) for the amount of {$720.00}. Submitted for collection on XX/XX/XXXX to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through XXXX, Experian and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I initiated an investigation with Experian in which they completed on XXXX XXXX, 2015, Report # XXXX. At this time I requested documentation as to how the following items : 1. XXXX Now-Account # XXXX ... was verified as accurate. 
2. XXXX XXXX XXXX-Account # XXXX ... was verified as accurate. 
These accounts are not at all accurate and I have requested several times proof as to how they were verified in accordance 15 USC ... and to date have yet to receive this information. 
when it has several

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Mortgage company will not let me refiance my ARM loan thats underwater.A prior complaint was filed Report # XXXX. I contacted Consumer Finance today to follow up on the status of my case. the response my mortgage company ASC sent, was for me to contact them for Refi.I called ASC and spoke with XXXX the Mortgage consultant,. He stated that my house must appraise for at least {$78000.00}. My house is only worth $ XXXX.This is a no win situation. The bottom line is I already owe this company XXXX. I am trying to establish a way to pay off my obligation with them. In XXXX 2015, which is only 6 weeks away my rates will be increase again..What can I do here? What laws are there to protect me, the customer? I am asking for help, to be saved from being a predatory victim. I am faxing ConsumerFinance the responding letters I received from ASC, all three leters stated they are reviewing & research .I think a fair resolution would be, for the company to work with me with the XXXX I presently owe and put me into a fixed, current rate mortgate, So I can possibly pay off my home before retirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX EXPERIAN KEEPS PLACING A FRAUD ALERT ON MY CREIT REPORT I HAVE ASKE THEM TO REMOVE IT OVER 10 TIMES AND I HAVE BEEN IGNORED AGAIN!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 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:
XXXX XXXX is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to me.

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 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I paid a debt to XXXX XXXX XXXX in XXXX of 2016. I disputed it as paid with Experian in XXXX of 2016. They did not remove the balance from my file. I have contacted XXXX several times and they claim they will have the item removed. It is still there almost 12 months later.

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 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to 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 explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX or experian has me listed as having stayed at XXXX XXXX in XXXX. I never lived there.

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 2016-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
We fell behind on our mortgage after lost work hours and unexpected attorney fees as a result of crimes committed against our family. We submitted an application for foreclosure alternatives with our lender on XXXX XXXX, XXXX. We received a letter stating receipt of our application and requesting more information dated XXXX XXXX, XXXX. We then received a notice of foreclosure from an attorney dated XXXX XXXX, XXXX. 
I called our lender and was told the foreclosure would be placed on hold while the modification application was processed. Over the next few months, our lender requested more and more information. I would send in the requested documents and they would them reply with a request for MORE documents. 
All this time reassuring me on the phone that the foreclosure process was on hold. 
In XXXX XXXX, we received notice of a sheriffs sale scheduled for our home on XXXX XXXX, XXXX. Our modification application is still being processed! It feels like they will never stop asking for more information for the modification so that we will run out of time and the house will be sold. They are sending letters with a date that is almost a week earlier than the postmark, and giving us very little time to provide the documents, all while going forward with the foreclosure process on our home. We would like very much to finally have our modification application reviewed before our house is sold. From what I understand, they should not be processing our modification and foreclosure at the same time. They are stringing us along in the modification while moving forward with the foreclosure. 
Our financial situation was temporary and we want to stay in our home and continue making payments, but we no longer feel that we can trust Cornerstone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian is reporting outdated negative information about me that is clearly more than XXXX years old. As a result I was forced to pay a {$250.00} deposit just to set up a utility bill at my new residence even though the consumer report stated " NO PRESENCE OF UNPAID UTILITY OR RENTAL ACCOUNTS IN ONLINE 'S SYSTEM. '' Experian is reporting negative information about me that is XXXX years old, XXXX years old & XXXX years old. My low credit score is not a true reflection of my credit worthiness. I want Experian to be held accountable for negligently reporting bad & inaccurate information. I also want them to clear my name & record.

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: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed several medical accounts with Experian and received a message stating per the FCRA 611 ( a ) ( 3 ) ( A ) they will not process my dispute XXXX. However, I have filed a complaint with XXXX Enforcement process for each of these creditors and, I have proof of insurance that I can not add to the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Fraud was committed in my name and the credit bureau refuse to block or remove the fraudulent account from my credit file base on FCRA 605B

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