vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries 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 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, Experian continues to provide a report from a firm called " XXXX '' out of XXXX, CA reference an unknown billing that has been disputed and the company has failed to provide any proof of debt to me. The information is not accurate and is not owed. Experian should remove the inaccurate 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 non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is a direct dispute with Experian. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XX/XX/2011. they have me listed as a 30 day late in XX/XX/2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XX/XX/XXXX payment, The motorcycle was stolen. the next payment date was XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Experian has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Experian, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: WI

Complaint narrative:
I bank with XXXX Bank, XXXX. They started giving you a totally free XXXX score 'from Experian '. In the past 4 years alone, I 've never had a XXXX score below XXXX to the best of my knowledge. I had a great XXXX just in XXXX of last year. Now for the past two months, my score is taking nosedives. I went to Experian, completed their form to get my credit report. There is nothing on that report that would indicate a reason for the score to drop so radically. So I contacted XXXX. They referred me to Experian telling me the score comes directly from them. A 20 minute conversation with Experian led me nowhere. The representative said I need to pay them to get my credit SCORE, THEN perhaps she MIGHT be able to assist me further. I asked how it is that XXXX gets that score every single month, but they do n't seem to have a record of that score at the very company giving it to XXXX. she then said XXXX must be using some other method to calculate the score. I called XXXX and inquired about that ; they told me the score comes directly from Experian. so no the XXXX companies are pointing fingers at each other while my credit score keeps going down. There has been NO changes to my financial situation except that I earn a little more and I owe a little less. No late payments, no revolving credit debt, just an auto loan that I pay promptly every single month without fail. Again ... nothing changed in the past the past several months, yet just in the past two months, I had a score of XXXX in XXXX and now its down to XXXX with NO REASON GIVEN despite my best efforts to resolve the situation. I find it deplorable that this company can just make these changes to my credit-worthiness without having to answer why. I am in excellent financial health and am extremely responsible with credit. There is no reason my score should be dropping if my situation is not changing, and there is NO reason on this Earth why they should not have to account for themselves to the people they are damaging with these practices!

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 2016-05-18 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:
XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU 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 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I canceled my XXXX account, have not received any bills from XXXX, returned their equipment and a collection agency has filled a collection notice with the credit reporting agencies. I have contacted the agencies involved and XXXX. I have received no response from anyone. Here is the collection company - XXXX XXXX, WA 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 2016-04-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Bureau is reporting inaccurate information regaurding my personal information. Also there are accounts being reported that are not even mine. I have contacted the Bureaus about these matters and have had no success. This is becoming very frustrating as I am trying to apply for a home loan, but being deprived by false 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 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have XXXX XXXX XXXX XXXX union charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. Experian and XXXX refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX van and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the van or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the van and never took that money and put it towards what I owe. they got the van and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have credit inquiries from XXXX. I am concerned as there have been XXXX inquiries by this company. How do I get rid of them? I am not comfortable with them having access to my credit report when I did n't initialize anything with them. Please let me know what I should do about this. I am concerned for the security and confidentiality of my personal credit information. There are many individuals who have been charged fees for products that they did not request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX was a lease and I paid this lease off and on time. The {$3500.00} that XXXX added to my account was not about the lease, but disputed with XXXX over wear and tear to the vehicle and not terms of credit. This item was disputed in XX/XX/XXXX. I requested to dispute this item again and was denied by Experian. The amount showing is incorrect and was incorrectly reported by XXXX. 
XXXX XXXX was removed and readded on XXXX/XXXX/XXXX to my report after no status was shown since XX/XX/XXXX. Account was disputed because XXXX was reporting inaccurate utilities owed. 
XXXX XXXX was not my mortgage company and is showing on my credit report as a foreclosure. My mortgage company was XXXX XXXX and I have tried in XX/XX/XXXX to get this updated and the wrong mortgage company removed from Experian. Experian refuse to remove this from my record. 

Credit inquiries : XXXX, XXXX XXXX and XXXX XXXX XXXX were not initiated by me, and there is no way to dispute this on Experian on-line dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled a copy of my credit report from Experian and noticed the following information are in error : Credit Inquiries : The FRCA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX, XXXX/XXXX/XXXX XXXX Credit /OFF Lease, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX , XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX . XXXX/XXXX/XXXX I did not authorize these inquiries. I have called Experian multiple times getting very rude people that constantly hang up on you and tell you that you did ask for the credit inquiry when I never authorize nor asked for credit with these companies

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 2016-09-08 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:
I am divorced from my Ex husband since XXXX 2015 and he has moved to XXXX, Washington for over a year. He has taken his car the XXXX XXXX XXXX and i am already removed as joint owner. Please remove the XXXX XXXX debt from my credit report. 
Also XXXX has a Debt of {$580.00} for a XXXX under XXXX XXXX. this person is not me and I have no clue who this person is. I have complaint to XXXX. Please remove this person debt 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 non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I cancelled my services in XXXX of 2015 for I believe credit monitoring services and Experian is still charging my accounts for " member services ''. I have asked them multiple times to cancel the accounts cease billing to my account. When I give either of them my credit card info they say they have " no active account on file associated with the credit card number or my social security number. '' They insist I give them the credit card number " associated with the account ''. I I have contacted my bank to resolve and they do n't have the old card information and I can only dispute transactions from the last 60 days. I have since the account was opened with there credit bureaus have definitely lost a couple cards and XXXX was involved in the XXXX breach, I no longer have these card numbers or know which one was used for the account. 
This lasts at time I called Experian who refused to help me with transactions saying they have no active account on file so there should n't be charges from them. I repeatedly offered her to email or fax the evidence of the charges from my bank statement and they refused them. They said would n't be able to help me without the old credit card account number. They refuse to take a dispute. I told them someone has take responsibility for the charges, by bank does n't have the old card information that was closed and they have overdrawn my account several times. Experian reps say they ca n't help and refused to take any information and redirected me to my bank ... which I called again and they still do n't have the card info. I have gone round and round between that bank and these XXXX agencies. I cancelled my accounts in XXXX and I am still being charged. No will help me and I am loosing money because of these charges. Someone please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
My private student loans were charged off and turned over to a collection agency sometimes in late XX/XX/XXXX I believe, though overall I 'm unsure as I do n't recall receiving the initial formal notice. I filed for Bankruptcy in XX/XX/XXXX, and began making payments in an attempt to repair my credit in XX/XX/XXXX. I have been making regular, on-time payments since and entered a formal payment agreement with reduced interest rate as of XX/XX/XXXX as well. Since, the collection agency has continued to be irresponsible in their collections practices, forgetting to contact me to initiate reauthorization of payment arrangements and more recently sending notice of intention to pursue debt, for which I am already paying as agreed. 
Further, the originating debtor reports my account as " closed '', though continues to report my account as a " charge off '' each and every month to the credit bureau, continuing to damage my credit each month despite this already being turned over to collections and me paying on it each month as per a formal/written agreement. I have attempted to contact the original debtor to address my concerns with their collection agency and get some guidance as to options available and potential rehabilitation and reassuming my debt, though have been unsuccessful in reaching anyone as each time I am redirected to the collection agency through the phone system.

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 — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I get the wrong birthday with Experian credit report. I already contact them and still issue not 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 2016-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$18000.00}. Experian reports incorrectly that this account is past due {$18000.00}. Experian reports incorrectly this account Credit Limit is currently {$15000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency .Experian reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX . Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
the credit agency Experian, XXXX and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our ChapterXXXX XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.

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 2016-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AUDIT SYSTEMS,INC
State: FL

Complaint narrative:
I recently had my Identity stolen and reported it to the police. A collection company called me concerning a check i did not write. They made me give my address which is something i did not want to do. They were rude and then wanted me to mail them a copy of the police report. I asked the rude lady to email me the address and she said they could not email and was rude and acted like i was the criminal. I am a stand up citizen who is a 20 year XXXX who had a credit score in the XXXX before the theft. I will not be badgered or spoken to in that tone by anyone expecially someone who collects debts for a living.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: KS

Complaint narrative:
Loan was sold or transferred to Statebridge Mortgage. 
They are not providing accurate information about account. 
Shows I owe for two months when I have paid every month for 5yrs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
experian refused to answer my questions for method of verification and took over 30 days with my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My wife & I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.

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