vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Experian XXXX that they could not provide my credit report due to technical difficulties. For my wife, I received a similar message from Experian. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' websites also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with 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 2016-05-31 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:
XXXX this account is identity theft and does 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 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
False information submitted on my credit profile from XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX nor a Credit Card with XXXX XXXX XXXX please remove False Information my Credit Profile

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 — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.

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 2015-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A state tax lien was placed on my credit with the state of California. The lien is meant for XXXX in that state. I am an XXXX. I made an income of XXXX $ during XX/XX/XXXX. The state of California will not remove the lien after we sent XXXX documents showing proof of a XXXX $ income for XX/XX/XXXX, since I worked only for the XXXX and was then and currently am a XXXX resident. Please help. The lien was placed in XX/XX/XXXX. I have spoke to the XXXX XXXX XXXX XXXX office, they told me what to fax, sent all documents numerous times and lien is still in place on all XXXX crediting monitors XXXX, experian, and XXXX. I am not able to purchase a home with the VA home loan system due to this lien.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
MY INFORMATION WAS STOLEN OFF A SERVER THAT EXPERIAN HOUSED FOR XXXX AND THE SERVER WAS HACKED. ALL PERSONAL INFORMATION WAS TAKEN.

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 2016-08-15 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: TX

Complaint narrative:
I subscribe to XXXX XXXX XXXX XXXX services so that I may pull my credit reports twice monthly. I attempted to pull and generate a " Printable Report '' on XXXX/XXXX/2016 and that report would not render correctly or completely. XXXX XXXX XXXX XXXX stated other customers are having the same problem. The problem seems to be the XXXX XXXX XXXX XXXX report rendering process as the XXXX/XXXX/2016 report I pulled and saved to my file system displays properly but attempting to redisplay on the XXXX XXXX XXXX XXXX site does not render the report correctly or completely. XXXX XXXX XXXX XXXX states this is an Experian problem but they have no way to obtain a problem resolution status or expected problem resolution date from Experian. Experian sent me a email saying they are working on the problem, but have not provided any updates. Attempts to respond to Experian 's email result in mail rejection due to a full inbox. Bottom Line is XXXX XXXX XXXX XXXX states they have no way to resolve or communicate with Experian technical support and there is no way for me to contact Experian technical support.

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 monetary relief
Consumer complaint received 2016-04-08 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: AK

Complaint narrative:
Experian refuses to provide a live person to assist with purchase of credit report over the phone. I am visually impaired and their online webpage forces consumers into recurring billing platforms. I do not want this. I called and was told I would have to use automated system. I placed a fraud alert on my account and still these agencies are causing me continued stress and unnecessary high interest with their alleged scoring platforms and duplicate inquiries on my credit report. 

These companies are continually destroying the XXXX economy. what is the CFPB going to do to fix all these problems and restore American confidences?

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 2017-03-02 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:
I have an account with Credit Check total. I logged in a few days back and discovered within two weeks a number of unauthorized inquiries processed with about two weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right!

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 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company is incorrectly reporting me up to 120 ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX ' Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously disputed this Bankruptcy on my account a while ago and it was removed and now I see it is on my account again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 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:
This account does not belong to me and I was unable to verify this debt. I sent a debt validation letter out to XXXX XXXX XXXX and was unable to reach them. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. My letter was 'returned to sender '. Please see attached photo of returned letter and address on credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WAS LOOKING AT MY FREE ANNUAL CREDIT REPORT, AND I MADE SOME DISPUTES, AND WHILE LOOKING, I GOT LOGGED OUT -- DELIBERATELY THIS SCUM. I HAVE A RIGHT TO ONE FREE ANNUAL CREDIT REPORT, AND HOW DARE THEY PULL THE NONSENSE. I SAW PROBLEMS, AND DISPUTED, AND THEY KNOW KNOW KNOW KNOW THEY ARE MAKING HUGE MISTAKES, BREAKING THE LAW, SO THEY WANT TO LOCK PEOPLE OUT. 
I FOLLOWED THEIR ONLINE INFORMATION TO " CONTINUE VIEWING YOUR CREDIT REPORT '' HOWEVER, IT WILL NOT LET YOU -- GET TO THE LAST PAGE, THEY WANT 1 ) MONEY 2 ) MAKE YOU JUMP HOOPS BY NOW HAVING TO WAIT FOR THE MAIL. LOOK, I SAW IT ONLINE, I AM UTTERLY BLOWN AWAY THESE XXXX HAVE THE NERVE TO LOG YOU OUT AND MAKE IT A XXXX BECAUSE YOU FIND MISTAKES. 
I WAS NOT FINISHED. 
THESE COMPANIES LEADIGN WITH XXXX ENGAGE IN SO MUCH LAW-BREAKING ACTIVITY AND SO LITTLE IS DONE. IT 'S HIGH TIME CONGRESS CHANGE EVERYTHING AND START HOLDING THESE XXXX, EXPERIAN AND XXXX ACCOUNTABLE. 
ALL THEY WANT TO DO IS FORCE YOU TO BUY THEIR " PRODUCT '' THEN THEY WILL FOLLOW THE LAW. 
THAT IS EXTORTION. 
EXTORTION IS ILLEGAL. 
I WANT MY CREDIT REPORTS. IT HAS BEEN A YEAR AND ONE MONTH.

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 2016-10-30 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:
I recently checked my credit report and noticed errors on my report that i have no knowledge of or authorized. I reached out to some of the creditors and I have been given the run around. I contacted the credit bureaus about this and I was told to file out an online dispute. I made several attempts an I was unsuccessful to gain access because it says I have answered some of my personal questions wrong. This became alarming and contacted the bureaus again and was again brushed to the side. This inaccurate information is putting a damper on my credit situation and causing me great financial hardship. Please help me resolve this issue.

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 2015-07-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
OK I NEVER TOOK OUT A LOAN WITH SPRINGLEAF FINANCIAL BUT IN MY CREDIT REPORT I HAVE INQUIRES ON MY CREDIT REPORT. I HAVE WROTE TO SPRINGLEAF AND ON XXXX/XXXX/2015 I GOT A LETTER SYING THAT THE INQUIRES WOULD BE REMOVED BUT AS OF XXXX/XXXX/2015 THE INQUIRES IS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I am receiving more than one attempt to collect the debt per day up to four calls a day, including Sunday 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
lender sending my contact info to warranty companies and these companies are trying to swindle me out of money for extended warranties, contacted the local company yesterday and person i spoke with was veryrude and said they would never force me to get a extended warranty but XXXX companies called and i was told by both that i had to have this true auto XXXX and national vehicle head quarters XXXX, now this company said i was refinancing a new vehicle false still have same truck 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit has on several attempts attempted to collect a debt from me from someone who lives in Texas. She has a similar name to mine. I never gave Penn Credit or the original creditor my cell phone to contact me regarding any debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
XXXX and myself owned a business we had a BANKER ( XXXX XXXX from XXXX ) come to us and see if he could do some finances for our business with us, we told him we would like to take out a small business loan and use it to pay off our home mortgage and our business mortgages using our XXXX commercial properties he agreed that would be something his bank could handle. It ended up by us loosing our business ALL of our properties to include our home and with paper work that has been used wrongly. It is very hard to explain however what the paper I have does not match what is in Register of needs. We hired Attorney on our home and they did NOT present any evidence on our behalf and I Had given them more then any one could believe, there excuse was it would only confuse the Judge! Well it also confuses anyone who looks at it. So now I am turning to anyone who can help us clean up this mess and get our money back that was wrongfully taken from us. This involves XXXX that is why it is so confusing and the BANKS would not do anything to help I might add the original Bank was bought out XXXX since this all started and I got the run around from all of them. All of the Evidence the banks Attorneys brought forward is in question because we did not knowingly sign any mortgage on our home and we never sign in front of a notary even if they say we did and I can also prove that is a lie. So as you can see this is a confusing mess, but some one has to care enough to get to the bottom of all of this we are now out of money do to all the attorney fees so far and we still have no answers because it never went to court with our evince the Judge did a summary judgment which was never asked for. So if there is any thing you can do for us to find out where the XXXX loan money went if it did not pay off our home. Please help us! We wrote Senator XXXX and he his the one who told us to get ahold of you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I have been late on my loan payment since my husband lost his job. I have made a deferred payment for XX/XX/2016 payment. They make calls and leave messages for me every day, send me mail. Which is fine I understand the loan needs to be paid. Now they came to my home. Calling all of my references repeatedly. I already explained to them my situation. They came to my home yesterday, spoke with my husband. So we know the situation. I am making every effort to try to get the money together. Still today they call my father. He has a XXXX XXXX. I do n't need him to know that I am having problems paying my bills. Once a week, mailed letter is fine to remind me that I am late on my payment. This is harrasment. Springleaf bank/One main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I took out a Loan with XXXX XXXX in XXXX XXXX with a credit Limit of XXXX dollars. I paid faithfully until XXXX when the entire company disappeared. During the entire payment cycle with XXXX the principle somehow never went down. I paid at least a hundred a month for 4 years and they would credit it late or tack on some fee. It was horrible. I heard nothing from these thieves and without a place to pay, I just quit figuring that they would eventually tell me if I owed them. XX/XX/XXXX, I was contacted by a business called Springleaf Financial Service of XXXX IN and was told that they had been looking for me and mailing me offers to settle. This was absolutely not true. I have lived in the same house since XX/XX/XXXX and my contact information has n't changed except for my work phone number since that time. The collection person said that they had purchased the loan from XXXX. I told the collection person that I did not conduct business on my phone and had no idea who they were. I said if you believe I am the correct XXXX XXXX send me something that proves your claim. Springleaf Financial sent me a copy of the XX/XX/XXXX Loan Agreement. Nothing else! No Balance no payment history no balance? I do not know my rights and frankly I am afraid to deal at all with this company. The scariest part is that this revolving loan has a home equity attachment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have been trying to contact Convergent Outsourcing Inc for awhile regarding a fraud alert i received from XXXX listing Convergent Outsourcing inc as the creditors. There was never any attempts by this company or any other in writing or verbally to collect a debt from me in the past but i am being told that the debt was reported on my experian credit report. I have made multiple attempts to contact the company by telephone and in writing trying to verify this debt and get information about the original creaditor and receive no response or help. I have no memory of an open account for XXXX dollars in my credit past

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
There is a collection listed that I do not agree with and requested several times validation and disputed with no actual evidence of what is being collected for and proof the debt is mine ( signed contract ). Can your agency help?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Management Company
State: TX

Complaint narrative:
I am a 60 % XXXX veteran. 

I received these services while hospitilized in a hospital far from a VA hospital and could not be transferd to the VA hospital. It was an emergency hospitilization. 

I had previously notified the VA about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: CA

Complaint narrative:
my credit report reflect a debt that I did not make

Company response to consumer: Closed with explanation