vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX I settled an credit card account with XXXX XXXX XXXX. The debt was cancelled, a XXXX was issued and the information removed from the credit report. Additionally, it is well past any timeframes to be listed on any credit report and is outside the statute of limitations. However, as of XX/XX/XXXX XXXX XXXX XXXX re-listed the account on 2 credit bureaus - XXXX and Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 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 recently purchased a credit monitoring plan online and was shocked to see an account from a company that I had never used that had been turned over to a collections company. I called the collections company and they attempted to collect the debt listed, which is NOT mine and I explained that to them. They said to call the original creditor and I did that. When I called the creditor, XXXX ( XXXX ) a telephone/cable company, they took the account number that I had been given by the collections company ( XXXX XXXX XXXX ) and asked some information. They did NOT have my SSN, they had an address at which I have never lived and they had a DL # that did NOT end in the same XXXX digits as mine does and the last XXXX of the SSN did not match mine. HOWEVER, this item is showing up on MY credit report, saying I owe roughly {$480.00} and that it has been turned over to a collections agency. My concern and question is, HOW is something allowed to be placed on my credit report ( both Experian and XXXX ), and negatively affect my credit, if they do n't have my SSN? I am being passed from XXXX to the collection group, XXXX XXXX XXXX and all they want to do is to try to collect on the outstanding debt that is NOT mine. I need help.

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 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
APPLIED HAS SPECIAL ARRANGEMENTS WITH EXPERIAN AND IS BIAS IN VIOLATION OF ALL CONSUMER RIGHTS VIOLATORS.

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 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIANXXXX/XXXXaccount showing collection/chargeoff ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 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:
After I requested information from the credit bureau company they sent me a letter telling me they needed more information and that the S.S. # I gave them did not match the identification in they 're database. I however sent them more proof, including a letter from the S.S administration. The next letter they sent me was to inform me that either I did not provide the sufficient amount of information or I have not established credit history.

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 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
For the past several years I have subscribed to Credit Monitoring for XXXX members provided directly by Experian or a direct Experian wholly owned entity. Recently the product underwent changes and the new product is far less useful that previous. I decided to cancel this service. However, Experian makes cancellation -- likely on purpose -- so difficult to accomplish that after several days they are still unable / unwilling to cancel this service upon my demand. I have attempted on multiple occasions to call the number they have given for cancellations and on each and every instance have encountered hold times exceeding XXXX hours. Ultimately I have never been able to reach a representative to cancel. My desire is to cancel this service effective immediately as of XXXX/XXXX/2015. There is no possible scenario under which I would be willing to keep this service. However, Experian refuses to allow me to cancel. 

I should point out that calling Experian from my current XXXX is NOT toll free. I have already wasted over XXXX hours of XXXX charges trying to cancel. I am NOT willing to call again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
i paidoff the lien at XXXX XXXX please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 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:
First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to forward documentation on experian.com/upload. 
I uploaded the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Experian on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have received it and would update me within 30 days. 

On XXXX/XXXX/XXXX, I received a letter dated XXXX XXXX, XXXX notifying me of their dispute and investigation decision. I wondered if they even did an investigation. The letter stated to contact XXXX ( Mortgage Fraud Account ) and XXXX ( Cellular Account Fraud ) directly. 

I contaced XXXX immediately and found out they do not have a fraud department nor would provide me with the lenders direct contact information. I also contacted XXXX and all they wanted was me to pay the balance on the fraudulent account. 

I then sent certified mail with return receipt to Experian on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Experian received letter on XXXX/XXXX/XXXX. 

Experian sent me a letter dated XXXX/XXXX/XXXX, requesting for the same information already sent in order to block the items. 

I called Experian today, XXXX/XXXX/XXXX, to see why. They stated that the police report was invalid and the the FTC Report was invalid. I explained to them that all information sent was valid. I explained to the rep that XXXX received the same documentation and was able to rectify the errors on the report immediately. The rep offered an Experian product since I was a victim of fraud. I declined the offer and hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX 

I was in a corporation that utilized this company, where XXXX individual credit cards were issued. XXXX to myself, and the other XXXX were issued to corporate owners. XXXX of the previous owners decided to decline any use of their issued card. Myself, and the other remaining cardholder were the only users of the XXXX. This account was a business account, not a personal account, and should not be on my personal credit report. Proper responsibility was taken on my behalf, and the issued account in my name was paid in full. 

However, information regarding the remaining associate 's account ( with their contact information ) was sent to XXXX and also the credit bureaus, to no avail. XXXX XXXX fell to bankrupcy, and failed to respond. The status of the credit card is listed as unknown. This was a business account and this damaging information has reflected within my personal credit report over the past eight years. I want the adverse information removed, as my issued corporate credit card was paid off. Therefore, I could use help to aleiviate these nocuous statements within my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than 90 and 120 days past due with XXXX and more than 30 days past due with XXXX XXXX XXXX. The Credit Bureaus including XXXX, Experian, and XXXX are in violation of the FCRA.

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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is reporting to XXXX and Experian as current 120 and 180 days delq for an account that was charged off in XX/XX/2009 for both of us- XXXX and XXXX XXXX . XXXX XXXX has already removed the derogatory item all together. XXXX is dropping our credit scores by XXXX points based on these consistent lates for years. We demand they fix their reporting right away. We have complete XXXX rounds of dispute letters to both XXXX and Experian and have attempted several CFPB complaints and to date we still have not received any assistance or resolution. We demand CFPB steps in and gets this fixed right away.

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 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is false reporting ID theft and misleading information of bankruptcy and inquiries. All related information to this matter has been given to Experian XXXX times over as to police reports of ID theft and false reporting of bankruptcy given. Experian continues to report financial harming information. Please you assistance is greatly needed. 
Thank you, XXXX XXXX - Contact # XXXXXXXXBelow are the dates when information has been sentXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number 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 2016-03-10 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:
XXXX XXXX has reported a loan account to experian credit agency after several attempts of me reporting that this account was initially opened by my father who I share my name with. I recently submitted a dispute through experian and was unsuccessful. I have contacted XXXX and they refuse to aid me with any actions. Thus account was reported even though our social securities are different. This is negatively affecting my credit and it is holding my possibility of buying a new home. This issue has been going on for years and I still have not been able to solve it. Any help would be greatly appreciated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
After being in deferment for quite awhile, because of trying to pay off my wife 's student loans, I have started the process of trying to stay up on payments to Navient. I was on the Income Based Repayment plan and at one point was paying XXXX when they were still XXXX. Since transferring over to Navient I went into deferment again, for a year. I am currently trying to get back on a payment plan but my IBR payment is an unmanageable XXXX+ dollars. I then had to search for a another payment plan ( which seemed very difficult to find ) called the Income sensitive plan. I submitted paperwork that they seemed to drop the ball on and when I called later about the paperwork, they quickly told me that if I made any kind of a payment that day then I would automatically be enrolled in the ISB plan. I gave my information over the phone and seemed to get disconnected. They never called back and never took out the money. There was no phone call back and as a result I kept getting notices about my late payments under the XXXX+ IBR plan. I called them back to see what had happened ( about a week and a half later ) and they could n't remember my paperwork until I told them the dates it was submitted. They then told me that the person I spoke to who told me to pay any amount of money so I could get in was mistaken and that I would have to make a full payment of my original loan payment amount ( which is XXXX+ ) dollars and that I would automatically be enrolled in the ISB repayment plan that day. I told them that I could n't make the payment that day and would try to get that money together. If I ca n't make a XXXX+ payment then I know I ca n't make a XXXX+ payment without severely crippling my monthly income. I have XXXX daughters ( XXXX in college ) and it just seems that there can be something else done that 's easier and does n't require a huge down payment. It was n't that difficult to get into a payment plan before.

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: NV

Complaint narrative:
A collection item showed up on my Experian and XXXX credit reports. I already filed a complaint with regards to the XXXX report. CFPB people asked me to file another complaint regarding the Experian report. The item on the credit report is called " XXXX XXXX XXXX '' I have never done business with this organization and I am not aware of any debt to them, or to any past-due debt at all on 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 non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Consumer Dispute : Dear XXXX According to the Fair Credit Reporting Act, XXXX U.S.C. XXXX Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report to assure maximum accuracy. Without proper verification by them, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Experian used to verify that the account ( s ) belonging to me the first time they reported the account on my credit report. Failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA XXXX XXXX. XXXX, unverified accounts must be promptly deleted. If Experian is unable to provide me with a copy of the verifiable proof that Experian has on file within 30 days for each of the accounts listed below then they must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. The following accounts must be verified or removed immediately : Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX BANK XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX/XXXX/1976 XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: TX

Complaint narrative:
I believe I am the victim of identity theft and was trying to improve my credit score. Everytime I try and view my score though annualcreditscore.com it tells me that my data is unavailable or something crazy even though I know I am giving the right social security number. Its also preventing me from getting a past 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 2016-04-15 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, verify and remove some accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation