vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-22 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: WA

Complaint narrative:
There are several issues:1. FAILURE TO DELIVER FREE CREDIT REPORT. I completed a complete written application including copies of driver 's license and utility and mailed that to Experian at its free credit report address. In response, Experian sent me a statement claiming I failed to provide ANY OF THAT that information in a letter I received about 2 weeks after my request. 
2. BREACH OF CREDIT INFORMATION. The statement from Experian was directed to my home address but listed a completely unknown name : " XXXX XXXX XXXX. '' It appears that Experian has given me confidential identification belonging to another person. Experian 's Report Number is XXXX and was issued XXXX. 
3. FAILURE TO MAINTAIN 800 Number. I received a subscription to ProtectMyId.com, a company owned by Experian, under a court settlement regarding massive identity theft. I logged onto that site and saw XXXX erroneous credit reporting issues. Using the website, I tried to file a complaint using that service, but it would not allow me to file any complaint. The website demanded a report number, but did not give me a report number to identity the matter. I attempted to call ProtectMyId.com but noone answered the phone, even when I hit XXXX or followed the prompts. I then tried to call Experian and could not get through either. 
4. PROTECTMYID.COM. I filed an online complaint with the website stating it did not deliver the service it was set up to deliver. I received an email over a week after I sought help from ProtectMyId.com stating that my request for assistance was received. I responded asking for actual help. I have never received any assistance from the website, Experian 's subsidiary. Instead, they then sent me a letter telling me they could not help me with a dispute involving Experian. 

CONCLUSION. I am very concerned that Experian is reporting incorrect information on my credit and refusing to communicate with me about it and is instead releasing another person 's name to me. If they confuse me with another person, are they sending out my confidential information to a complete stranger? XXXX

Company public response: Company 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:
XXXX IS REPORTING XXXX XXXX XXXXpursuant to FDCPA the reporting agency is required to provide WHO is reporting such information and their contact information that I may have them validate, absence of that information this must be removed from their reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX XXXX XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting companies will not deleted wrong information.

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: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX XXXX XXXX removed this item from my credit report. Legally they have to keep off my credit report which both have not. This debt has not been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not find a suitable line to check for my particular issue as follows. 
When one applies for a loan the Credit bureau is immediately notified while it take XXXX days for debtor payment to be reach the credit bureau. This undue delay places the debtor and his family at a disadvantage given the important role that credit score play in the market place. This unwarranted and iniquitous delay in reporting a change in the debtors ' credit status could mean life and death for those of us who operates on the margin. The cruel and inordinate delay could mean homelessness for those of us who are renting property, lives are interrupted, and children may not be able to attend school.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Student loan, agree to remove the negative items from my record, but the credit agencies did not remove it. I have sent them certified mail, no response Please see the department of Education letter clearly stating that these items need to be removed. 
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 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Equifax and experian should remove this account until a judgement is entered against me that I owe the debt.

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:
XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have experian online reports and summary and it states credit cards, loans, medical bills, bank accounts, etc. that are not mine. I have never had any credit card or bank accounts of any sort until XX/XX/2016. Names for Me are not right. Collections are not mine. I requested a annual report from all XXXX breaks today and they all gave me a series of questions to confirm my identity and I had no answer for any of them. These accounts are not.minem I have XXXX credit cards, XXXX merchant card, a bank account, and XXXX installment loan from XXXX, and a phone bill. Please help me! I need a credit report sent to me preferably online or phone asap.

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 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX account listed on my credit report with Experian and XXXX has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I settled with XXXX on several accounts last year. They are still reporting them as open collections. They agreed to accept a certain amount, I paid the amount they requested and they have not reflected that on my credit reports. They are still reporting as in collections instead of paid. They are the XXXX accounts stating in collections

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 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, XXXX and Experian. Please assist with having this information remove from my credit file. 

Thank you, XXXX 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 non-monetary relief
Consumer complaint received 2016-09-06 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 ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by 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 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several issues with Experian. First, I tried to get my free annual credit report and received a message that they were sorry but they could not provide it. I did get the credit report through XXXX and found that Experian has shown me as " also known as '' someone else.

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 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc.
State: DC

Complaint narrative:
My son and I both go to XXXX as regular patients. We both are under my health insurance. I am a federal government employee with excellent health benefits. I keep receiving harassing calls from receivable management in XXXX Virginia saying that I owe bills to XXXX. I went onsite and while at XXXX I was told I do not have a balance nor do I owe a bill. XXXX does not allow patients to be seen if a balance is owed. I received a notification on my credit report stating that XXXX is being reported by receivable management I was very upset but because I 'm going through security clearance I paid it. I need this investigated because they clearly are n't sending bills to my insurance company and there is a disconnect I 'm not receiving bills and I do n't owe any I received another call today for XXXX from this receivable management this is fraudlent and becaus inpaid the first bill they are trying again. This needs to be deleted from my report I was told if I pay it and request in writing the XXXX would be deleted and it has n't now they are asking for XXXX

Company response to consumer: Closed
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have tried to dispute this online being that I was just made aware of this over the weekend. Its an account that 's in collection that I have no knowledge of. 
Account name : XXXX services dated XX/XX/2017 {$59.00}. I have no knowledge of this account and have never received any mailings prior to it going to collections

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 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Previously disputed XXXX items with all XXXX BUREUS, XXXX bureaus removed the items under the FCRA sec 623 based on the accounts being unverifiable, incomplete or inaccurate. The results are to be shared with all reporting agencies if errors are found and account is deleted. Experian has not followed the laws that are in place to protect the consumer by removing these items. I hwve provided several letters with the results showing the deletin of these accounts. The continue to report inaccurate information that has been disputed and removed by the other XXXX major reporting agencies. They hwve not provided method of verification to substantiate their claim. These are clear violations of the FCRA and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX Account Number : XXXX This is not my account its my son who is XXXX years old I have asked for docs did not receive any thing from them please have them remove it immediately. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
They will not respond to any of my disputes. 
XXXX XXXX XXXX is on there twice. This is a duplicate listing. Not only that, but it was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. It can only be on there once for the same bill, not twice. And, it needs to show as a {$0.00} balance since it was included in a bankruptcy and discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Went to a dealership to buy car finance manager wanted me to go with a messed up deal little did I know he kept running my credit score and basically XXXX my credit score so I wont be able to go anywhere else my score was at XXXX and dropped to XXXX. I am going to assume he had to run it over and over and over again for it to drop so low and I was n't aware of anything until I went to another dealership and they printed out my new credit score through equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the validity of a debt in writing over four times requesting proof of the alleged debt, and to date the credit bureaus as well as XXXX XXXX has failed to provide me with a copy of the bill so that I may adequately dispute the charges. The credit bureaus response continue to be " the debt has been validated '' however no proof of how they came to that result has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I had a hard credit inquiry on my report on XXXX/XXXX/2016 by XXXX. I called Equifax and they told me the could do nothing about it. I have not applied for any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contaced Equifax in the past regarding XXXX accounts listed with XXXX XXXX. The XXXX accounts were reporting inaccurate information, so XXXX XXXX opted to delete the tradelines. The XXXX other credit breaus have deleted the XXXX trade lines how ever equinox will not. XXXX XXXX account # XXXX - and account number XXXX. The accounts were reporting incorrectly and XXXX XXXX agreeded to delete the XXXX tradlines. I have enclosed a copy of the letter from XXXX XXXX as proof to delete the trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CORELOGIC INC
State: MD

Complaint narrative:
This complaint is filed against CoreLogic SafeRent, who has produced an inaccurate report that includes landlord-tenant cases filed by XXXX from XXXX XXXX through XXXX XXXX. Specifically, CoreLogic SafeRent is inaccurately reporting the court cases as " case filed and the claim amount '' when in fact all of the cases were dismissed because payment had been made. CoreLogic SafeRent is required by the Fair Credit Reporting Act to report accurate information. CoreLogic is violating the federal Fair Credit Reporting Act ( " FCRA '' ) by systematically and illegally reporting court cases that have been dismissed. Because of CoreLogic 's inaccurate reports, I have been denied housing since XXXX and have been forced to live with family members. I have been employed with the federal government for 25 years, have a good salary, no open collections or late payments and a good credit score. However, none of these factors mattered when I applied for housing on XXXX XXXX, XXXX. The Management Company informed me that my credit score would warrant an approval, but they had to accept the decision not to approve based on the information that was received from CoreLogic SafeRent. For the sixth time, I have been denied housing based on the inaccurate court cases that CoreLogic reported. The inaccurate reports are misleading as it only shows the court cases as " case filed and claim amount '' which implies that the case is still open and the claim amount is still due. This is not correct and I suffered tremendously because of the inaccurate information. Had CoreLogic checked the court records, it would have realized that these cases were dismissed and there are no outstanding balances or money owed. I have faxed three disputes which have been ignored and no one has responded. Nor do this company answer the phone. I have not been able to get this resolved.

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 2016-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL CREDIT AGENCIES ( EQUIFAX XXXX ) LISTED ACCOUNTS " NOT MY ACCOUNTS '' AND OUTDATED PAST 7YRS SINCE 2007 REPORTED PUBLIC RECORDS OUTDATED AND NEVER HAD ANY STATE TAX LIENS ( 2X ON FILE ) CASE # XXXX AND CASE # XXXX./..DELETE ALL FROM CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
In XXXX 2015 mya mortgage was sold from XXXX to Seterus, owing no more than {$160.00} on principal, then Seterus did send to me a letter of welcome but with no information about the money that I did owe on the mortagage, they ask me for a payment of {$3600.00} wich was send it to them on XXXX, then i ask for a pay off cuote and they required from me another payment for the amount of {$3500.00} wich was send it to them on XXXX. I was told by them that this payment was to pay the XXXX tax of 2015. They did not pay tax and send me a refund for the amount of {$2300.00} wich happens to be exactly the same amount of escrow that was transfer from XXXX to Seterus. So there is a balance of at least {$3500.00} that should be returned to me as well. I been calling them every other day and every time they have a diferent answer and bottom line they dont want to refund that money so I hope you could help me a on any way to recover my money that Seterus wants to keep with no rights to retaining it, I do believe that there is some type of discrimination toward me because i don speak perfect englishXXXX. Thank you so much for your time and your attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation