vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Nelson Cruz & Associates LLC
State: WA

Complaint narrative:
My grandmother, who suffers from XXXX has been continually harassed by this so called debt collector ( I assume this because of the tone and threat of legal action, and after looking up who they were ), my grandmother had handed me the phone to talk to these people, knowing that there was nothing she can do considering my grandmother is a social security recipient, and that is her only income, and noticing the call had lasted for 40 min and was currently on hold, I hung up. The lady on the other line, immediately called back and initially refused to talk to me and asked if I was an attorney, I informed her no, that I am a family member and that my grandmother, XXXX XXXX, was going to give them permission to talk to me, at which point the lady on the phone got noticeably more aggressive and said they were then going to take legal action against my grandmother and hung up the phone. Their threatening use of debt collection practices disturbes me, as I am actually a former collector for a major bank and her behavior on the phone and lack of professionalism is something that is not needed, and mostly illegal in that industry.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-08 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 not responding to any of my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 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 not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX 's error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.

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 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After multiple disputes they are reporting the credit card each month and it was charged off XXXX 2012. My goal is to have them remove the all the months reported as late after the card was charged off for multiple months.

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 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been trying to dilute a bankruptcy on my report from Experian. The reporting agency Experian has used to verify the bankruptcy is XXXX XXXX. My XXXX file has been frozen since XXXX XXXX, 2016. Experian keeps claiming they are verifying information on my credit report and that the source of verification is XXXX XXXX. How is this information accurate if my XXXX XXXX is frozen. Attached is a documentation of my XXXX XXXX consumer being frozen. Experian is not in compliance with the FCRA, XXXX and CFPB

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: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reporting information is not mine.

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 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
there is a XXXX account that is showing on my credit along with he address of XXXX XXXX XXXX XXXX, ct XXXX, As well as a XXXX CT Gas bill with a balance of {$800.00} thats reporting late that are not all mine. This item has been disputed with experian several times. asking for proof into this matter and this account being mine. Also for the account to be deleted and they refuse to delete as well as provide any proof on these accounts that they are reporting on my credit. these accounts are damaging my credit & I 'm currently wanting to purchase a home.

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 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Product Credit reporting Issue Credit reporting company 's investigation : No notice of investigation status/result Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
[ [ [ what does no notice of investagation mean you contacted them about XXXX i want fico score back to level it was ] ] ]???!!!! 
still waiting for experian to fix credit report and also put my fico score back over XXXX where it was before case # XXXX was started Consent to publish the description of what happened? Consent provided Product information

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 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of Identity theft and have been attempting to reason with Experian for years for XXXX accounts in particular. They simply refuse to even re-review them and its ruining my otherwise perfect credit. I 've requested on XXXX occasions in the last year for a review, they just refuse and say they have already looked into it. XXXX account is a public records account that was paid in full before it should have ever been reported, they still wont remove it. It wasnt even mine and i paid almost {$7000.00} because it was the least worst option at the time. The second XXXX is for a utility company claiming i had services, i wasnt even living in this state when they claim i had services. The folks that stole my identity opened credit cards, bought a car, rented an apartment, and i would imagine utilities too. They simply wont remove itI do n't know what to do and they refuse to help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
We 're a small, man/wife XXXX corporation. We have been working diligently to rid ourselves of business debt incurred between XX/XX/XXXX-XX/XX/XXXX as a result of the XXXX Recession. Since early XX/XX/XXXX, when signs the worst was over surfaced, and especially during the past XXXX years, we 've been working with a NFP to negotiate lower interest rates to help keep our small business afloat. Recently, after never having failed to pay on time, we discovered after review that we had paid, in principal alone, far more than borrowed on several cards. To prove our findings we did a full accounting using receipt records -- recording all borrowings, payments on principal, interest and other fees. We sent these reports with a one-page cover letter of explanation ( copies are available ) via tracked XXXX Priority Mail to XXXX, XXXX and XXXX XXXX. We have documentation all were received. Only XXXX, XXXX, has bothered to read our material and correspond by phone. ( They advised they 'd look into our concerns and get back to us, although " it might take some time. '' ) From the others we 've received only form letters advising we 're overdue, as they tacked on high interest and late fees. In our cover letters we told each party that due to overpayment and the fact we 're both in our XXXX 's and must still work, we will pay no more. 
Although we have no faith whatsoever in the co-called credit reporting agencies ( calling usually gets you someone in a XXXXworld country who barely speaks XXXX ; writing a certified letter we found is usually ignored ), we trust XXXX XXXX implicitly. When we saw this opportunity to communicate with an organization of which she was a part, we jumped on it. Please let us know if you need more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After carefully reviewing my Experian Credit Report, I noticed a couple of creditors incorrectly reporting to my credit report. 
Below is a small list of the creditors that I would like to have permanently removed from my Experian Credit Report immediately, please:1. XXXX XXXX COUNTY RECORDER - Identification numberXXXX. This public record 's creditor is reporting to my Experian Credit Report by mistake. I 've reached out to the county recorders office regarding this Public Records item and they 've confirmed with me this it is reporting to my credit report incorrectly. It is basically reporting to the wrong XXXX XXXX XXXX, XXXX As a matter of fact, to ad insult, based on their records, XXXX is not even included in the name that its supposed to be reporting to nor is the address mine as well, based on what they have in their records. 
2. XXXX - Account numberXXXX .... I 've never had any XXXX XXXX XXXX credit card and nor do I know of anyone who has added me to their XXXX Card as an Authorized User as it states on my credit report. I would like to have this credit card permanently removed from my credit report, please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting substantial proof that my XXXX credit card account is current and paid as agreed. I contacted XXXX in regards to a deragatory remark that is on my credit report. I received this supporting documentation that the account is current and remark to be removed. This account is showing as potentially negative when it should be showing as account that is satisfactory.

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 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Stated that it was correct, even though I called the original creditor and they said that it was never suppose to be on my credit report. I am lost and confused. I just do not know what to do.

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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I attempted to dispute inquiries with Experian that were not mine and they refused to allow a dispute online even though there was a dispute selection available. I disputed addresses that were not mine and they also refused to delete 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 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX i was turned down for a apartment XXXX in XXXXXXXX due to a past rental debt/judgement that i was unaware of with XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and property mangement XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OfficeXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of my lease XX/XX/XXXX i complained about several repairs needed to the property such as Air conditioning not fully working properly, and suspected mold showing in the home. I as well as my families health deteriorated in the home, and served XXXX letters certified as stated in the lease. I also went according to the attorney general page to look for direction on this. I am upset because XXXX XXXX took it upon themselves to serve an ILLEGAL Eviction when their was no one in the home, they were notified of the reason that i was leaving per my lease. I have served the property management XXXX a letter and they are stating they no longer are over the property and that i would need to speak to XXXX XXXX who does not reside in the XXXX area. I wish to have this infallacy removed from my credit and also i will filing a civil suit against XXXX XXXX. Please assist with this matter before it turns to the court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX is attempting to recover an already paid for account that I originated with 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 2016-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
son has same name never lived at XXXX XXXX or worked at XXXX also have medcail coverage throuh the state of ct

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 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried contacting Experian about inaccurate information on my credit report. I can not get through or get a response when I have already submitted all the requested information for proof of identity. 
My issues : 1. ) The balances in my accounts are inaccurate, this needs to be corrected. XXXX Credit Card has a balance of XXXX that is incorrect. I have called XXXX and they make monthly reports to Experian. XXXX last reported it back in XXXX/XXXX/XXXX. My current balance should be XXXX I believe. 
2. ) XXXX XXXX XXXX Account : That account is paid but the account is still open it should show as closed and paid. Balance should be XXXX. 
3. ) My report says that I have too many delinquencies when in doubt the only delinquencies I have are back in XXXX, XXXX. Being back in boot camp I had my identity stolen. Then in XXXX or XXXX XXXX, I was in training in XXXX. My XXXX XXXX Credit Card went past due 30 days back then and it was because there 's no communication between XXXX and the United States, so I could not make a payment when I was overseas. Those are the only delinquencies I have on my credit report. 
4. ) The inquiries on my credit have been for a purchase of a vehicle. I inquired for a vehicle loan within a month and this should not affect my credit report, please correct this.

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 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian purchased a fraudulent contract from Attorney XXXX XXXX XXXX. The XXXX XXXX XXXX firm has absolutely no proof that they have rendered any service amounting to that amount. I paid them a small amount for a 30 day eviction notice. That is the only service that they performed for me. All anyone has to do is contact the XXXX XXXX XXXX firm and ask them for any documentation supporting their claims. Experian did not do that. Experian tells me that they are not required to check the validity of claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a student loan with XXXX XXXX ( who now is navent ) back in XX/XX/XXXX account # XXXX which on my credit report it shows XXXX accounts # s XXXX in the amount of {$3500.00} and XXXX in the amount of {$2600.00} besides the accounts being XXXX old they sold the accounts back to the original debtor ( XXXX ) which in return got paid by taking my tax return back in XX/XX/XXXX, I have tried several times to dispute the information on my credit report stating their ca n't be XXXX company 's reporting the same information on my report but what they did was when the XXXX has different account numbers with the same information which is the same loan from XXXX XXXX. at this point I had my attorney send them a letter explain they can not have XXXX companies reporting the same items that XXXX XXXX would have to delete there information because XXXX was the one who collected the money from me and XXXX XXXX sold the loans back to the XXXX, I have a record of all the times I have contacted XXXX XXXX and the XXXX reporting credit agencies, I also have the letter from my attorney contacting all three agencies and the XXXX reporting companies, the XXXX credit agencies have not corrected the information have never verified the information because they are getting paid by the companies to report the information, all I want is for XXXX XXXX to remove the information from all XXXX agencies because they no longer own the accounts ant the XXXX is reporting the same info with different account numbers. XXXX account # 's XXXX and XXXX all the information is the same on all the accounts see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy sent to me per credit law. Otherwise please have it removed upon receipt of this official notice. This is something that was randomly attached and Now I must suffer with it. Please have this removed.

Company response to consumer: Closed with explanation