vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-09 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 some things on my credit report that is not mines. I have XXXX account that is more than 10 years old ( XXXX ). I have disputed before but Experian refuses to review information or delete. I also sent them information from XXXX were they have deleted the info. Experian says they do n't do what other credit companies do and will not review their info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian C/O XXXX XXXX XXXX, TX XXXX Regarding your report number XXXX. 

Do not misunderstand, this is NOT a dispute. I repeat NOT a dispute. I will repeat it one more time, it is NOT a dispute. 

I am NOT asking for an investigation, repeat, I am NOT asking for an investigation This is just a request for information that was omitted from your report number XXXX. I have a right to this information so please provide the following : Name of the " furnisher '' you talked to. 
Address of the " furnisher ''. 
Phone number of the " furnisher ''. 
The name of the person you talked to who verified the information you are reporting. 

As you are well aware I need this to contact them and query as to the information you have received and what information they supplied to me, provided they are the same person/entity.

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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. 
This was scheduled to be on record until XX/XX/2017.

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 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting parking tickets and refuses to remove them. It is now XXXX XXXX and they still refuse to remove them. Exp and the other CRAs are all signatories to a settlement with the DA of XXXX and have legally agreed not to list fines and so forth that are not the result of an official contract entered into by the account holder, specifically library and other city fines such as parking tickets. I have sent them information on this settlement with XXXX DA XXXX ( XXXX ). The settlement was to go into effect in stages and the stage where they were to remove parking tickets et al was to take place on XXXX XXXX 2016. Experian is now in violation of that legal settlement yet refuses to remove the items.

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 2015-10-23 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 made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 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:
I have disputed information with XXXX I have mailed information like they told me to do so that I can have this fraudulent information off of my credit. At the end of their investigation they said it was verified! I tried going directly through the collection agencies and they told me that if its fraud or the wrong person and to call the original company, but then when I contact the main company I 'm told to dispute it and then talk to the collection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Federal Tax Lien has been released, but has not been reported on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There was an unauthorized inquiry performed.

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 — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX i submitted a complaint through the CFPB - original case # XXXX. I disputed the fact that Experian was still reporting XXXX debts from XXXX XXXX. The company has agreed to stop reporting, it was already deleted from XXXX and XXXX. Experian responded by saying that the student loan would be deleted from my credit report. The accounts were never deleted. i 'm attaching proof of the response letter from Experian and my most recent credit report showing the loans still being reported. They are scheduled to be removed in XXXX. but its been 3 years since they should have been removed in the 1st place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i tried to order my credit report from experian on line and they could not verify my information, when i then orderd in the mail they sent me someone elses credit report that does not belong to me, i now have someone elses personal information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 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:
I am a victim of identity theft. Someone used my personal information to obtain credit. I am disputing the items on 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 2016-03-11 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: SC

Complaint narrative:
Said the information I gave was incorrect

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 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Experian is not PROPERLY reporting the date the account was opened

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 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I purchased my home in XXXX XXXX. The house appraised above the purchase price. I put 10 % down and have been consistently making additional payments ( two full payments each year ). The principal is now at less than 80 % of the original purchase price. On XXXX XXXX, XXXX I filled out the paperwork to remove PMI and sent my lender the requested amount ( {$310.00} ) associated with the " required '' appraisal. The check was cashed shortly thereafter. I received a VM on XXXX/XXXX/XXXX stating that I should call back " in reference to [ my ] appraisal ''. I called the number provided back on that day and again the following week. Each time I was told that " systems were down and the representative could not help me ''. On XXXX I received a follow-up call. At that time I was told that the appraisal was going to cost {$180.00} more than originally stated. This brings the total to {$500.00}, which is more than any amount shown on the mortgage lender 's schedule of amounts owed for the appraisal. I arranged for payment and was then told that it would be another seven days before anyone could contact me to schedule the appraisal. It appears that this company is deliberately delaying the necessary steps to remove PMI in order to continue to charge the PMI ( {$180.00} per month on a loan of {$350000.00} at 3.65 apr ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do XXXX disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : US BKPT CT CA SACRAMEN XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate

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 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My issue concerns my credit score ... XXXX it list me as a ( very Poor ) credit risk.. Primarily basing the conclusions on credit inquiries.. & credit card usage ... XXXX I 'm am a debtor, who works very diligently to pay my bills & pay them on time ... # 2 I do not use 'Credit cards to pay credit card or other monthly Bills that are Due ' Indeed I pay my bills with the cash that I earn, from the sweat of my brow. I use my credit cards for goods & services which is what they are designed for. # 3 'I never ever pay minimum amts Due on credit cards ' instead, I use them more as, an easy way to pay for goods & services.. But in this modern day world of Internet sales & the like. I somewhat insulated against scams & the like..Mosty Importantly ..I am extended credit ..because of my payment creditworthiness & no matter how much of my credit I use I should not be penalized unless I 'm in default ( Computer models & probability charts should not Count ) ... My goal is to repay the debt.. & that 's what I have done.. 100 % & my credit score & Rating from the Bureau should lean most heavily on this simple fact ..when issuing My Credit Score '

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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 companies has on file that they used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these account, 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 2015-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been going back and forth for few years on modification trial packages. In 2013, a loan modification given was accepted by me for a total payment of {$2100.00}. I made payments timely for seven months ( 4 months past the trial period ), but could not complete the process due to title issues. My mortgage bank wanted my student loan to be in subordinate lien position. I gave a written authorization to that effect. The bank 's negotiator did not follow up her responsibility until the system timed me out. She asked me to reapply, which I did. This time, the total mortgage payment jumped from {$2100.00} to $ 2,900+ in just few months. I questioned the increase in payment as my income remained the same, but was asked to make a one time payment as an act of good faith while she works to get me a payment close to {$2100.00}. She never did and I did not make another payment as that was too much at the time. A new negotiator was assigned and she got me another modification package and this time with a payment of {$3200.00}. I was not happy and rejected it and insisted to get the 2013 package or close to it. All these time, the bank and the negotiators took forever to get XXXX modification done. In addition, the value given to my home is so high compared to its condition and market price. I once paid {$200.00} to a XXXX party to dispute the bank 's appraised value. As of last month, the bank denied me a complete modification with reasons that I had exceeded my trial modification periods. I only accepted the 2013 modification, even though I made periodic lump sum payments before the beginning of the trial period and in between. I feel that I have been deceived all this time, babysitting the property for the investor who is waiting for the market to turn around. I missed XXXX opportunities to buy similar homes on contract for deed for less and affordable payment. In 2013, after making XXXX payments and assurance from the negotiator that she would get me an affordable mortgage payment, I started to complete my unfinished basement with expenses of almost {$11000.00} in framing, electrical, plumbing, etc. The bank recently asked me to appeal their denial decision and property valuation for a second time in less than 2 1/2 years. I need help in keeping my home with an affordable payment as my little children are emotionally attached to their schools and neighborhood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was a resident at XXXX XXXX and moved out and was then sent a bill over {$1000.00}. I had no idea why. I contacted XXXX XXXX and was told that the apartment complex was under new management and owners and they had no knowledge of my debt. I asked for the former owners information and they were unable to provide me with that. The amount then went to collections and I corresponded with the agency to find out who owns this debt so I can figure out whats going on. They would n't release any information but stressed the fact that they did not own, they were only collecting the debt. After a few back and forth, I ignored them because it was going nowhere. Fast forward to XX/XX/XXXX, I started repairing my credit and this debt comes up again. I signed up with XXXX XXXX and they acted on my behalf to clear deliquent things off my report. The collection agency once again sent a notice stating the debt was valid but the information I got which was apparently submitted from XXXX XXXX XX/XX/XXXX, was false. The employee forged information and submitted fees for stuff that I never knew existed. She claims I moved because I got a pet which was false. She also changed dollar amounts on paperwork to reflect a ridiculous amount of charges. I contacted the agency and they told me to contact the company who submitted the debt ( XXXX XXXX ). I contacted them once again even though I knew what the response would be. Email response below : XXXX XXXX XXXX ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Hi XXXX I am sorry you are having such a hard time resolving this matter. The company that currently owns and manages XXXX purchased the property XX/XX/XXXX. We do not own your debt and would not have access to your records. I do not know who owned the property when you lived here. 
Sorry I can not be of more help. 
XXXX XXXX XXXX, XXXX, XXXX Property Manager XXXX Apartments XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX visit us at XXXX I am stuck and going back and forth with XXXX XXXX and the collection agency. I hope that I can get more information as far as who owns the debt and who I can dispute this amount with. The false claims really are what have me in a bind.

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 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to XXXX through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern ; A few weeks ago, I noticed multiple issues reporting on my Experian credit report ( monitoring ) that were both fraudulent and inaccurate and contacted Experian 's Fraud department to dispute these items. Here is a breakdown of these items on my credit file : INQUIRIES XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) I do not understand why this company XXXX ' continues to have my credit pulled. I have called them multiple times concerning the first time they did this XXXX. They stated that someone had applied for an apartment lease. The same was told to me yet again when this occurred now for the second time just one week ago. I am currently in corporate housing through my employer and will continue to be until XXXX XXXX, 2016 when my contract runs out. Henceforth, I am certainly not looking to rent apartments on both Coasts in XXXX and California. One of these inquiries was for an apartment in the XXXX area and the other was for an apartment in the California area. I want for these to be disputed as fraud please. As for the XXXX XXXX inquiry, this too just apparently happened. I am unaware of why this was pulled. After speaking with XXXX, they told me that my credit was pulled concerning an attempt to open an account. I explained to them that this was not done by me and to please remove it. I was told that they do not remove any inquiries for any reasons whatsoever. 

ACCOUNTS : XXXX XXXX XXXX XXXX CREDIT CARD Acct : XXXX Opened : XXXX, 2016 Limit : {$5000.00} Balance : {$4900.00} While I am not disputing this account as fraud per say, I am disputing that this card was in fact used to make unauthorized transactions on several websites including ; XXXX and XXXX just to name a couple. I have spoken with the bank on multiple occasions and have even contacted Experian. At this juncture, the balance being reported is inaccurate because of these charges. So, in summary the account itself is mine but I have had multiple unauthorized charges on both this account and a couple of others that I had with XXXX and was forced to close those down to protect myself. 

I certainly appreciate all of your help up to this point. You will see that upon further research, I have been a victim of identity theft and have dealt with these issues all year at this point. However, I am at least making some headway in trying to clean up what has happened. Please feel free to call me anytime at XXXX if you need further information from me in order to help expedite this process. 

Regards, 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