vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 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:
XXXX : It is an account that has never been mine and do not recognize at all, I have already disputed such account so the error could be fixed but no respond. Please remove account error from my 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 non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
MY LAST LETTER TO EXPERIAN WAS WRITTEN ON XXXX XXXX, 2016. I HAVE NOT HEARD BACK FROM THEM. THEY NEED TO CORRECT MY PAYMENT HISTORY WITH THE XXXX CREDIT CARDS PER THE ATTACHED LETTER.

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had receive a credit report on XXXX XXXX, 2016 report # XXXX. I tried to use contact information at experian.com/disputes to dispute XXXX claims. It would not let me dispute these on this site. XXXX were XXXX XXXX for student loans. These loans were sold to XXXX and are in good standing. XXXX is XXXX for a car that was supposed to be included in a banruptsy 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 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint 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 thirty day mark and has not and will 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 in a timely manner for it has cause me a great deal of pain. 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 2015-11-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I disputed XXXX ProCollect accounts in my credit file with the CRA. Procollect inturn sent was they considered " validation of the debt '' to me via mail. First, I never received anything regarding this debt before discovering it in my credit report in XXXX 2015. Secondly, when I attempted contact the original creditor, I find that they are no longer in business. So, when I received the " validation '' from Procollect, it showed me nothing! I have attached scanned copies of the attachment that procollect sent me as validation of the debts appearing in my credit file for {$600.00}, {$620.00} and {$620.00}. This does not constitute sufficient validation of the debt. This is something that I could have typed up myself. Surely this is not what they send others who are requesting debt validation. And sadly, this was what the CRA used to place this debt in my credit file. I emailed procollect informing them that this was not sufficient and they would have to supply the proper validation according to the laws in the state of Texas and I expected these accounts to be removed from my account. The 30 day period has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 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: MD

Complaint narrative:
Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -As u can see ... XXXX is reporting XXXX on XXXX site and XXXX on there own ... .not good or consistent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I really do not know the contact info as it just appeared on my credit report. Who is XXXX XXXX? I applied for a position but was told after I arrived from Arizona that I would not be hired as a volunteer. So left as had no where to go.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed for bankruptcy in Feb.XXXXbecause of a divorce, received moneyfrom divorce in XX/XX/XXXX, I paid all bills I filed filed on and withdrew the BKBankruptcy.Today is XXXX and still have not been able to get this taken offtaken off my credit report. It is showing a dismissal, I did not go throughwith this yet it is still on my credit report. I have been denied a Home loana small poersonal loan, a credit card, an apartment. and even had to payhigher prices for utilities to be turned on. I am a senior citizen living on afixed income, I feel i have been treated un fairlly because of this BK. It is effecting my credit score XXXX points. I try very hard to keep my creditscore up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called XXXX and they are based out of XXXX Texas calling regarding a debt from Bank of America, they would not provide any license number for the company or debt collections. 

I told them this 'debt ' was settled with Bank of America XXXX BOA XXXX years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. 

While I was on the phone with FTC Texas XXXX and Texas XXXX, this bogus company is calling ALL of my relatives. Based on XXXX office and XXXX, this business is not registered with the state or the county, as required by law. 

I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against XXXX 's social security number. 

I want this company to leave me alone and stop the threatening harassing and illegal contact.

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 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
loan XXXX score different and incorrect from personal XXXX score. Multiple requests for XXXX report and no responseregarding why. ref report # XXXXExperian report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They wo n't remove old accounts. The credit reporting agencies have not provided any certified proof of claims to date.

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 2016-01-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Argon Credit
State: GA

Complaint narrative:
I applied on XXXX XXXX online at Argon 's Credit Website. I was offer an approval for 20 % interest/ APR. I signed the document via electronic signature and submit all documents the same day. As I went through there application process, they used XXXX XXXX XXXX Bank XXXX XXXX to scan peoples bank account activity for 90 days. It asked for my online banking credentials. Uncomfortable giving sensitive login information online, I gave them my past 60 day bank statement. During this time, I have been very patient with this company. They state approval and verification takes " 48 to 72 hours ''. It had been almost 2 weeks. I 've given my last 60 days bank statements, XXXX and XXXX Tax Return, XXXX paystub periods, My Driver 's License ID, and a copy of my Personal Check Voided I recently received a call that I was going to be funded and it would take " another 48 to 72 hours ''. I await 3 days. I check my account and funds have not been disbursted. I call them again and they state it would be another 5 business days for funds to transfer. Please keep in mind my contract was signed on XXXX XXXX. My first payment is due XXXX XXXX and I still have n't recieved my funds in my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 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 XXXX requested that my file be updated to reflex that the negative entry be removed. It was included in my Discharge Chapter XXXX, dated XXXX XXXX XXXX. 
Experian keeps saying that the report is valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 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 submitted documentation on numerous occasions to have an item that does not belong to me removed. The credit bureaus are only going by what the company states and not looking at the facts. If a company can not verify my account by my birth date because they have a different birth date on file than this is proof enough that this is not my account and may have been opened fraudulently.

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 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I signed up with freecreditreport.com to get my free credit report, which they would not provide without a {$1.00} fee. Ten days later my card was charged for {$22.00} as a monthly recurring fee. When I called Experian, they indicated that I had signed up for a 7 day trial and that the charge was valid. They refused to refund my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint against Experian for reporting an account that is not mine on my credit report. The account in question is a XXXX account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my Experian report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX or XXXX, which is further proof that it should not be there in the first place. Experian should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Due to my XXXX not correctly applying two payments to XXXX in the amount of XXXX and XXXX ( which have yet to be found ) my credit score has dropped significantly. XXXX sent the funds to XXXX which does not own the card any more. XXXX ca n't find the funds as well.

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: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2016 my husband 's car was stolen out of our driveway, my car was broken into and my Chase Bank debit card was stolen from my car. That same night, someone used my debit card to buy {$1200.00} worth of items from the XXXX XXXX # XXXX in XXXX, Florida. There were XXXX other attempted charges on my debit card that night, all of which were rejected and which I told the bank were fraudulent. Chase says they investigated the {$1200.00} transaction and determined it to not be fraudulent. They refuse to refund my money, which was debited out of my account. I have opened a police report with the XXXX. pertaining to the stolen vehicle and the stolen debit card. The original report is attached. ( The debit card transactions are not on the original report, as we did not know the debit card was missing until the following day. The debit card transactions have been added to the police report file ). Corporal XXXX has visited the XXXX where the fraud took place and watched the store security video from the time my debit card was used. The person using my debit card on the video was a XXXX male. I am a white female. XXXX has not released the video yet, but XXXX is willing to testify as to what he saw on the video. I have notified Chase about this twice over the phone but they still refuse to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This specific XXXX Account # XXXX ( Credit limit of {$2600.00} ) Should be deleted from my entire credit profile. XXXX has requested the deletion but the Credit Bureaus have been dragging their feet with getting it deleted and this is slowing up my New Home/ Mortgage loan approval. Please have it deleted so i can move my family into our new home. Thank you in advance!

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 2016-03-17 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: SC

Complaint narrative:
I have tried to get my free annual credit report I think my identity has been stolen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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:
An inquiry was made on my credit earlier today from a XXXX Customer Service on Experian. I am an XXXX and have been driving all day from XXXX to XXXX. There was no way whatsoever while I was driving did I authorize any company or organization to place an inquiry on my credit. I have proof from my XXXX that I have been driving all day long and there is no possible way on this earth I would have spoke to anyone or signed anything while driving. I called Experien and they are rude and could care less that I have the proof of XXXX. Therefore I am reporting Experian to the CFPB to investigate this potential identify fraud ; in which Experian is not following the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed with Experian and XXXX the reporting of late payments from XXXX XXXX XXXX. They are reporting me that I had late payments and I never did. They continue to say that their investigation is accurate. However, XXXX investigated and deleted the account as it was not accurate. I have sent to XXXX and Experian letters including a response from XXXX company to my request of records reflecting such late payments and they denied to produce record. That is a violation of XXXX and credit bureaus must remove negative information when the furnisher is in violation of FACTA. This letter was forwarded to XXXX and Experian and they still do not remove the negative and inacurrate information. I request that this be removed immediately as it is depriving me from obtaining a home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THe dates and amounts are completely wrong some do n't belong to me at all.

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 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed with XXXX several times and they continue to verify the info that is incorrect on my credit file with Experian and that of my husband 's XXXX XXXX. We filed a complaint XXXX because the account was reporting incorrectly for months. The same info we sent Experian. XXXX verified as correct several times. At this point I want the " DISCHARGE IN BANKUPTCY '' removed from my credit file account XXXXThe other account XXXX # was reaged had a repo in violation of the stay. Lates while under Chapter XXXX Stay and Discharge etc. For both XXXX and myself on the Joint account. XXXX is asking for 60 days to fix all errors they verified previously as correct. Under the FCRA the account now should be deleted DELETE ACC # XXXX from our credit reports. Attach is evidence that the dispute was initially filed over 30 days ago for XXXX and XXXX continued to verify info that was incorrect. and bar from re-insertion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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 has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.

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