vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I called Experian today because I got a credit report in the mail that I did not order. Experian told me I was a member. I told Experian I was not aware of this. Experian previously forced me to pay {$1.00} for my credit score. In paying for this, Experian took my credit card information and charged me a membership fee. Experian assures me this information was somewhere in the fine print. I conducted a XXXX search for Experian credit score scams and apparently several people have also been tricked by this. Please help us consumers to stop being scammed by companies like this that are supposed to be here to help the consumer and not rip off the consumer. None of us deserve this.

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

Complaint narrative:
I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have disputed XXXX XXXX on my experian and XXXX credit reports. I get a message back a few days later saying they investigated it and its mine. I 've also sent XXXX XXXX a letter asking them to validate the debt. They have been unable to do so. Since they are unable to validate the debt it should be removed from my report. This company was already sued for trying to collect debts that were not correct.

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 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
XXXX names are not mine. Each one has an XXXX inserted into my name which is wrong. This can be checked on my social security account info which I think you have, or on my employer reports ( XXXX, XXXX ) I think.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 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 not responding to my requests to investigate and remove 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
Consumer complaint received 2017-02-02 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: CA

Complaint narrative:
I was n't able to view my free credit reports.

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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I was an XXXX. The company failed. It did not file bankruptcy but became insolvent and defunct. XXXX XXXX pursued me personally for a company debt. I tried to communicate with them on many occassions but they ignored it. They sent the account to collections and sued me. I hired an attorney. XXXX XXXX failed to substantiate their claim and the case was dismissed. Now they are still reporting the debt on my credit report. I submitted a dispute with Experian, but they will not take it off the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
There are several different addresses for one address that I lived at and there is also an address that is not mine. My spouse/co-applicant is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have made several compliants about that fact that Experian do not follow letter heads from credits, and make claims that the credit made statements about my account with no proof of a document that was sent to them from the creditor so I can go after the creditor with the proof that is was them who did that. All I get from Experian is them over the phone claiming that was the creditor sent them with no proof. But when I make a claim I get a document from the creditor, sign by the creditor with a letter head from company. I ask Experian if this was the court of law and I have hard evidence from a company sign by them who are they going to believe.Instead of asking the creditor if this document came from them so the came update my account, instead they tell me that they are waiting for the creditor to respond, and they respond never has to do with the letterhead that i sent them. This last update on this child support case they change it to {$0.00} balance after Child support did not respond. Experian policy is if the creditor do not respond they have to remove the account from my credit report. Instead of the remove the account from my credit report they took the balance that was reported {$180.00} and made it monthly payments, and made {$0.00} balance. This did not come from child support because it the wrong account information and child support do not report {$0.00} balance to credit reporting agency. They only report when there is a balance is due. It is illegal for a credit reporting agency to make changes to an account if it did not come from the creditor and that is what Experian did with this account. This are compliant numbers so you can see the history of what happen, XXXX, XXXX, XXXX. I did my investigation with child support already. They send out update on the XXXX of every month if there is a balance to report. If there is no balance there is nothing to report. Experian claim on XX/XX/XXXX, child support sent them an update that is a lie. Child support is not going to respond with false information about my account. {$180.00} a month is not my monthly payments. That is what Experian change it to because they did not get a response from child support. I want this account remove 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 2016-07-07 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:
XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter. I am disputing the alleged debt because I do n't owe any alleged debt to 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 2017-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: V and H Portfolio
State: NC

Complaint narrative:
Debt was previously paid until item was returned. Contract was with XXXX not Vancehuffman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 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:
We received a credit report from Experion and it showed a judgement against us for {$190.00} from XXXX 2015. The judgement is from " XXXX XXXX ''. We have no idea what this is and feel it has been erroneously added to our credit report. Please investigate.

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 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascension Point Recovery Services, LLC
State: CA

Complaint narrative:
this parasitic company is trying to collect debts, from family members, that DO NOT exist. They are praying on people that have recently had a death in their family and telling the survivors that the dead owe them money. This company and EVERYONE that works for them is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 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 XXXX XXXX Is reporting to my credit report false information and Credit Agency XXXX | Experian have removed my real account. 
False Account Reported is # XXXX $ XXXX collection or deliquent, My real Account which was deleted is # XXXX $ XXXX paid off in good standing, they deleted my account and left the # XXXX on my file. Please have this report removed immediatly from XXXX and Experian, they are in violation and defamation of my credit rights.

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 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I have XXXX issues to report regarding my Experian Credit Report. The first issue concerns a collection account that I have paid in full and the second issues concerns fraudulent credit inquiries on my report. 

( 1 ) XXXX Account XXXX XXXX XXXX, XXXX, I paid a past due account in full which was being collected by XXXX XXXX XXXX. ( Please see attached documents for verification ). Upon that payment, XXXX XXXX XXXX informed me that they would send notification to each of the XXXX major credit bureaus that the account had been paid in full. Almost two months have passed since that time and Experian has yet to remove the " collection '' from my account. Yesterday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX to ensure they had sent the notification. They informed me that they had and had sent a further " expedited '' notification to the credit reporting bureaus to have them remove the collection from my account. I am in desperate need of the collection 's removal because I am looking to refinance close to {$200000.00} in student loans. The refinancing company will not move forward with that process until the collection is removed from my account and so each day that passes, I incur greater interest charges. 

( 2 ) Fraudulent Credit Inquiries At some point in early XXXX XXXX or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Experian in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : ( i ) XXXX - XXXX XXXX, XXXX ( ii ) XXXX - XXXX XXXX, XXXX ( iii ) XXXXXX/XX/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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is being sent to you in response to a listing on my credit report from CREDIT CHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDIT CHECK TOTAL. 
For the purposes of XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

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 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I HAVE NO KNOWLEDGE OF SAID DEBT ACCEPTANCE NOW, XXXX, XXXX BANK, AND XXXX BANK AND I WOULD LIKE IT REMOVED AS ITS REPORTING TO THE CB AS AN CLOSED, NEGATIVE, REVOLVING ACCOUNT. XXXX is a car loan that was totaled and paid in XXXX by XXXX and gap insurance. the information was also shared illegally through a third part without my consent. I also sent out certified letter 609 letters and no respond, I have a lot of inquires that I did not put in as well. I also sent in a divorce decree that my ex spouse is accountable for all my debts and they have yet to remove them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My late husband had a credit card with XXXX XXXX XXXX and when he passed away I called them and what they did was turn the account over to me. I have never signed any papers saying I was on this account. When I would try to get infomation for my husband he always had to come to the phone and give me the ok to ask them questions that my husband had about his account. I asked XXXX XXXX XXXX to show me where I had signed any papers and they told me it was too long ago and they didnt have any records. They are runing my credit and I feel this should be taken off my credit reports. Thanks XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Basically I 've been keeping an eye on my credit report since I fired XXXX XXXX, however I 've noticed that I have a total of XXXX inquiries on my Experian credit report and I never applied for credit all these times. I was told by a XXXX XXXX Representative that in order to increase my score I had to get more credit and he 'll help me out with that. To sum it up I started receiving credit cards and I assumed it was because my credit was getting better. Long story short I 've seen the inquiries but I assume that that was because they sent me a card. But after reviewing my credit report today on Credit Check Total I had inquiries for things I did n't run my credit for I only applied for XXXX things but I see that I have XXXX inquiries. Here are the inquiries that are n't requested by me : 1. XXXX XX/XX/2017 2.XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX 7.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 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I just refinanced my mortgage with Everbank. My loan went through and the old mortgage was paid off. But in the time between the payoff and the automatic payment of my XX/XX/XXXX mortgage ( which was not supposed to be paid ), the bank took out the monthly payment, a mistake on their end, and instead of refunding that payment to me, they applied it to the new mortgage. I told them that I wanted the entire amount that they owed to me to be refunded. I am still waiting. They are telling me that they can only refund a partial amount. It was their mistake, and I want all of the money owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX-accout:XXXX and they have failed to do so.

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