vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EXPERIAN HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EXPERIAN are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section XXXX or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EXPERIAN is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute 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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how XXXX verified the information, including the business name and address contacted and the telephone number if reasonably available. 

Additionally, XXXX XXXX XXXX is reporting a trade line on an account number that is not mine. I contacted XXXX and the information they furnished does not match what is being reported on my credit profile. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 
I am requesting that these XXXX entries be investigated and removed.

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 2015-05-18 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:
Well there are XXXX accounts open with my information. XXXX of them is from XXXX XXXX service ending with XXXX and the other XXXX is from XXXX. Both these accounts were opened without my knowledge. I did dispute them with the credit bureau but they are not removing it. Please take the steps to get this resolved for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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:
This account is on my credit report, Does not belong to me, I called XXXX and was told there is nothing that can be done today, I have to mail a letter to their consumer affairs department. There are multiple accounts on my report, as well as employment info and address info I will continue to call the creditors in effort to get the false info removed Account Name XXXX Account # XXXX Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Foreclosure proceeding started I have attached a copy of some of my Credit Report from Experian. I have never lived in XXXX Oklahoma, any info regarding that is false

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 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been working with Experian for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Experian? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Experian? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me. I also see they added a collection from XXXX that doesnt seem to be on any of the other bureau so I am surprised that this is on here at all. There is no evidence of past due history or proof of sale or anything ... .I dont know where this came from at all! I really need some help here.

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 2015-03-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: VW Credit
State: TX

Complaint narrative:
I have leased XXXX XXXX vehicles from XXXX over the last decade and have never had an issue. My XX/XX/XXXX XXXX XXXX lease is complete on XX/XX/XXXX. I only used XXXX mile of my XXXX mile lease and my vehicle is in perfect condition so it is worth more than my residual payoff balance is {$22000.00}. I decided not to purchase another XXXX vehicle because of poor service and was offered {$24000.00} for the vehicle as a trade in. However, the payoff quote issued to the dealer was {$25000.00} when my contractual payoff with XXXX if I purchase the car is only {$22000.00}. I have been told that XXXX is the only brand that has this practice to prevent customers from purchasing brands other than XXXX. I can not believe that they would treat their customers so poorly in order to make a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i think there are things on my credit report that belong to my father.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at 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 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not apply for credit card or anything from XXXX Bank but they made XXXX inquiries on my record. Actually besides XXXX, I have not applied for anything so all the inquiries on my reports should be removed.

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 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a judgment with XXXX Colorado that was satisfied. Experian XXXX are still misreporting this as an open judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
the XXXX sold me a car later they do n't want to financial more for this reason they took a car and report y my credit report involuntary repossession but contradictory they report no missed payment in my credit report, but a few day I call this company so they talk it is not their fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The address of : XXXX XXXX XXXX, TN XXXX is incorrect. I have never lived in TN.

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 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to dispute this account with Experian by mail on multiple occasions. I am a victim of identity theft. I sent a letter requesting verification to XXXX XXXX XXXX for this credit card account that appears on my report. The verification information I received back very clearly showed the account belongs to another person with the same first name as me and an address I have never lived at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Last month, my credit score was XXXX. Today, the Experian Credit Monitoring Service notes that my credit score was downgraded by XXXX to XXXX! More concerning, ( 1 ) I have not applied for new credit, ( 2 ) I have not been late on my payments within the past 24 months, ( 3 ) No accounts have been closed, ( 4 ) I have not used my credit cards in since XXXX 2015, and ( 5 ) no credit inquiries last month. 

I would like the credit bureaus to explain why my credit score dropped. I am currently paying $ XXXX/month to monitor my credit because I want to improve my credit worthiness. As a customer, I should be entitled to know why my credit score dropped because it is not showing up on my credit reports. Please advise.

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 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company has filled to delete fraudulent information off of my credit report. Fair Credit Reporting Act, which details your responsibility to block and DELETE fraudulent information on my credit report resulting from identity theft. i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made

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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. 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 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX has requested a hard copy of my Credit Report which I did not request. It was reported by Experian on XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX, SD 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 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Io, Inc.
State: DC

Complaint narrative:
i have an acocunts from XXXX that were sent to RMS as a result of not initially sending bills to my health insurance carrier. i spoke with XXXX at XXXX on XX/XX/2017 and verified that i have had balances sent to a collections agency for bills that were not sent to my insurance carrier in error. she assured me that the bills in question for XXXX dates of service ( XXXX and XXXX ) would be sent to my health insurance and the accounts would be removed from collections. to date this has not happened. i have paid XXXX, XXXX, and XXXX in access. RMS currently reports a bill for XXXX ( XXXX submitted to my health insurance XX/XX/2017 and has been paid ). there are XXXX dollar fees and interest tagged onto all collections balances. i want a full refund for all clerical errors. today ( XX/XX/2017 ) i spoke with XXXX ( a supervisor ) and XXXX at this point they have resubmitted the claims correctly to my health insurance. i want all of my money back including the fees and interest from RMS. i also want all balances take off of my credit report ( XXXX and XXXX )

Company response to consumer: Closed
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX, account ; XXXX, this account is not mine. 
2. XXXX, account ; XXXX, this account is not mine. 
3. XXXX, account ; XXXX, this account is not mine.

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 2015-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
Saxon Mortgage is inaccurately reporting the mortgage that I had financed with them. 1 ) The account is still reporting open on my credit. The account was sold to XXXX in XX/XX/2009. This account should be reporting closed. ( The Date of First Delinquency has exceeded 7 years therefore it should be deleted from my credit file ) 2 ) The Date of First Delinquency is reporting inaccurately. Saxon is reporting XXXX XXXX as the Date of First Delinquency. Based on the payment history they are reporting, the date that led to my account being placed in collections was XXXX XXXX. 3 ) I have duplicate mortgages reporting on my credit which is affecting my credit score and has affected my credit score since it was sold in XX/XX/XXXX. 6 years I have received a negative impact on my score for Saxon inaccurate reporting. All issues are a violation of FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01 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:
XXXXTIMES THE COMPANY EXPERIAN DOES NOT GIVE A CREDIT CREDIT REPORT. 
WHEN I SENT DOCUMENTS THEY REQUIRE I GET NOTHING. THEY ARE DOING A MONOPOLY AND NEED TO BE INVESTIGATED BY OUR DEPATEMENT OF JUSTICE AND THE C. F P .B.PLEASE GET AGGRESSIVE AND TALK TO A HIGH RANKING SUPERVISOR. THEY KEEP GIVING EMBEDDED ANSWERS AND EXQUISES ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 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: KY

Complaint narrative:
when I try to get my credit report I 'm asked security questions like what bank do I have my car loan through and what bank is my mortgage through when I answer none above it says I have answered questions incorrectly when I do n't understand why when I do n't have a car loan nor do I have a mortgage and I have never lived in the states these loans are. So it want allow me to see my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I turned XXXX last year I went in to XXXX XXXX and the banker helped me apply for a credit card. The credit card was denied because I was in " debt ''. I had just turned XXXX, and I applied for a credit card to help me build my credit. I was upset that They denied my application, and I was told I had to wait 6 months to try again. I wanted to know why, so I looked in to getting a credit report. Just turning XXXX years old should have meant I have absolutely nothing negative on my credit report. When I was sent my credit report from all three credit " reporters '' their was an error on my account, saying that I owed thousands of dollars in medical bills from XXXX of 2009. In XXXX 2009 I was XXXX years old, and legally I was not responsible for paying for that. I called and explained this to the person at experian, and they said they would take care of it, and supposedly they did. This week, I went in again to apply for a credit card, and I was denied again. I can not believe that this is happening to me. I can not get a finance a car, or get a credit card, all because of this error. This is not fair to me. I 'm a XXXX, who wants to be an XXXX when I graduate, and credit is the most important thing to me. I am asking for help. I have so many other things to worry about like homework, school and work, and it 's not fair to me that I even have to go through this nonsense. 
Sincerely, 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 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX {$320.00} was paid and clearedConfirmation number is : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX I requested Transunion to correct inaccurate information on my credit report. To correct my date of birth DOB. 

Transunion reports it as XXXX and I submitted a request letter with Naturalization certificate ( copy ) XXXX XXXX and XXXX with same DOB. 

In XXXX 2015 I called to TU to find out if they updated my DOB. They did not. 

The woman on TU end asked me to resubmit this request all over again. 
And attach etiher XXXX copy of DC DL. 

On XXXX I resubmitted my request with XXXX mail. 

I attached request letter, and copy of DC DL with birthdate XXXX. 

To Date I did not receive confirmation from Transuion about it. I called to TU last week and asked if TU pdated my DOB? The TU said that they did not update it because they need another letter from me with another copy of DCDL. 

It became endless and I ask for your intervention please to help me with update of my correct date of birth. 

If Transunion is not in business to do credit monitoring, maybe they should sell apples and oranges on the street? 

Please 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