vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My XXXX loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it is showing XXXX late payments. I have contacted XXXX / XXXX with this issue. They stated that their report of the loan shows no late payments. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to Experian during 3 different disputes, but the report remains unchanged. Experian keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from XXXX. Experian keeps quoting FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), but they are in direct violation of the act. I demand immediate correction of my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
the date of debt place on my report is over 10 years 2006

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 2015-12-23 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:
I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a XXXX Veteran that is trying to purchase a loan. XXXX trade line with Experian shows an " Account In Dispute '' for XXXX. I called Experian to get this removed because the XXXX system would not accept my loan application. Experian told me after many phone calls that I would have to contact the creditor. Experian said they will not remove the Account In Dispute Comment for accounts on collections that are over {$500.00}. This allows the creditor an opportunity to force a payment on the account. Even though the account is no longer in dispute. Here is what happens. 
-Individual disputes unknown item on their credit report-Experian sends the dispute to the creditor ( collection agency ) -Collection agency does not have to supply any proof, only respond back that the account is legitimate and the add " Account In Dispute in the comments '' -Several months pass and individual wants to buy a home and the XXXX system kicks it back. 
-Needing a home loan Experian uses that leverage to force the individual to contact the creditor and negotiate getting Accoint In Dispute removed. 
Essentially individuals are required to pay accounts that they believe are fraudulent under duress of needing a home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA, they are required to .... '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian shows that I have XXXX hard pulls of my credit report by XXXX, XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16 that I did not authorize. I have not applied for any credit on those dates or within several months. I contacted the phone number supplied by Experian for the company requesting the credit reports, and that credit card company had no record of requesting any credit reports for my account. I have initiated a fraud resolution case with Experian 's " Protect My ID '', but would like the credit report pulls removed from my credit record.

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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The name XXXX has been recently added to my credit report. That has not been my legal name in 10 years. If someone is actively or recently using this name on ANY credit related requests, it is FRAUD! Please take this inaccurate name off of my credit report. My full legal name for the last 10 years has been XXXX. Thank you!

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 2015-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am contacting you as a customer of XXXX affected by the data breach at Experian. This breach has likely revealed my social security number, address, telephone number and other identifying information allowing criminals to open bank accounts and credit lines in my name. Experian offered 2 years of free credit monitoring service for affected customers. This is completely insufficient. The loss of my social security numbers is a grave oversight. The number can be abused anytime after the 2 year monitoring has ended. I expect that the monitoring service should be extended for at least 10 years, and that Experian should provide free and unlimited credit freezing and reversal of credit freezing at all 3 credit reporting agencies. The agencies generally do a poor job protecting from fraud and identity theft, as blatantly visible here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: DC

Complaint narrative:
I am a XXXX XXXX XXXX. I was researching at my bank to finance a new car. When they pulled up Experian and XXXX in their system ( they do n't have access to XXXX ), both reports were completely blank except for my personal ID information. ( I am currently paying for a car and have other financial data under my identity. ) Back at home, I tried to log into my Experian account and could not get access to it. Their system kept going around in circles about me updating my password ; then would not accept the new password. Upon calling Experian, they kept referring me to OPM ( United States Office of Personnel Management ) and their XXXX Identity Monitoring Portal, both of whom had no authority over accessing Experian 's online site. On the third call Experian said my account has been closed since 2013!???? When I logged into my XXXX account to see what they showed, the only bureau to show up was XXXX! I had always had access to all XXXX bureaus in the past and have printed out all XXXX credit reports from their site. The XXXX problem bureaus also not showing on my XXXX account has made me very nervous about my ID/financial security. What can I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
Rush card has not been letting me access my money since XXXX XXXX, 2015. My direct deposits have been delayed and I am unable to reach anyone from customer service. I am unable to get to work or get my children to school. Once again for the 2nd week I am unable to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After becoming more educated with my finances, I ran my credit report for the first time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX acount stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was schedulded to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a second request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, XXXX, and XXXX however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both Experian and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The second account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After 2 request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX these companies have caused me have effected XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 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 need to get a secure alert apparently somebody opened a account on my name that I did n't open on XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For every day in which I am unable to utilitze the online service to file a dispute with Experian Credit Monitoring Service, I will be submitting a complaint. On XXXX XXXX, 2016, I received an email from Experian Credit Monitoring Services indicating a change to my credit report. I logged into this service, in which I am paying a fee for each month, and attempted to dispute the information that has been reported to the credit bureau ( s ) as per Experian Credit Monitoring Service ; however, when I attempted to do so, I received a notification online indicating that I am not allowed to submit a dispute online, and that a reason can not be provided to me. Two documents have been attached to this complaint submission, one document showing the email notification I received from Experian Credit Monitoring Service, and the second attachment is the notification I receive when I attempt to dispute the information reflected in my account with Experian Monitoring Services.

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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have XXXX accounts that need to be removed from account. XXXX and 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 2015-07-15 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:
XXXX XX/XX/2015XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX Hello, I applied for a car loan with XXXX, @ XXXX in XXXX, Ohio @ XXXX. I am trying to rebuild my credit, I was turned down. The XXXX places that he tried to get me a loan sent letters to my house. XXXX was from XXXX XXXX the other from XXXX XXXX XXXX XXXX. XXXX XXXX was Insufficient Credit because I do n't have any credit cards or not made any large purchases. Experian reported to XXXX XXXX that I had XXXX Garnishments, Foreclosure, repossessions, collections or judgments. Also XXXX insufficient credit experience. If I do n't have credit experience how do I get garnishments, foreclosures and repossessions??? 
I purchase and paid for XXXX home and car over XXXX years ago, XXXX XXXX XXXX ( XXXX ) last name was mispelled. I purchase and paid for XXXX Nissan Sentra through XXXX XXXX. I have never had a Forclosure or repossesion. I had XXXX garnishments XXXX medical bill and my student loan. If I had seen that report I would not give me a loan either. 
If I stand accused I want Experian to send me my XXXX garnishments, foreclosures and repossessions. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent XXXX And Experian multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
On or about XX/XX/XXXX or XX/XX/XXXX I had XXXX ; I signed all the necessary paperwork at the hospital. Around XX/XX/XXXX my wife and I pulled our credit report to see what was on it and I noticed I had a debit from affiliates in imaging out of XXXX, CA ; I was unaware of the debit was under the impression my insurance handled it since I did not get any notice from the company. I have asked for verification of the debit and was sent the last page of the hospital stating that it will contract out services. I tried to contact the Contractor that was original creditor and was told to contact Credit Bureau USA. They have sinced contacted me with the following information signature page from the hospital, payments made to the affiliates. The Collection Company " Creditors Bureau USA '' is NOT a Contractor of XXXX XXXX Hospital, therefore I do NOT owe them anything. I am asking for them to remove the derogatory marks from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC.
State: DE

Complaint narrative:
I own a home that I am having a difficult time paying the mortgage on, I have tried several times to file for hardship towards the home and have filled out all the documents to the best of my ability. I have submitted and resubmitted all the required documents prior to the deadlines and each time I am told I have missing documents. I 've mailed in the documents, scanned and emailed the documents and they still do not reach the right person or department and then I am denied assistances. I am NEVER able to speak to the person requesting the documents directly I am always told they are NOT available. When I file complaints then I get nasty letters stating I am a liar and that my complaint is baseless. I can not get this my mortgage company to help me in any way. I am about to loose my house, the renters that where in my home skipped out on 2.5 months of rent putting me in a bind. I am currently only working XXXX part- time jobs and can not make up the missing monthly payments so I applied for hardship. I do not have a phone as I am unable to pay for a cellphone or monthly service. I am living paycheck to paycheck and am so tired of the run -around. I need help, this company does not want to help or allow me to seek help and I am out of options to do anything anymore. My credit is in the toilet I have no savings, no hidden money or agenda I need help and all I am getting are doors slamming shut and I am sorry you do n't qualify. My mortgage company refused to help nor can they find any of the documents I have emailed and mailed to them. They claim I never did and I can show that I did. Can you help me?

Company response to consumer: Closed with explanation