vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This information just showed up on my credit report within the last month. I think there are a collection agency for a credit card from XXXX XXXX. I had a credit card with the company that was opened in XXXX and paid off and closed around XXXX. I had a great payment history with XXXX XXXX. As I stated in other statements that on my credit report this creditor always showed paid as agreed. Now I believe around XXXX XXXX I checked my credit reports and XXXX XXXX is showing up negative. I reached out to several Customer Service Representative and there were not friendly. If someone could please help me with this problem I would be thankful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 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:
in XXXX summer I switched to XXXX to save money. unfortunately I could n't get phone reception in my house. dropped calls unable to make calls etc. they waved the XXXX day wait for an air rave whichwhich was supposed to enhance signal but it did n't help I was force to go outside to make receive calls & retrieve voicemail. after calling XXXX & getting nowhere I finally had to choice but to switch back XXXX XXXX XX/XX/XXXX. I tried to break contract XXXX but was referred to several different people all of whom did not care that I paid {$100.00} a month for almost a year with no home service signal. I am also on XXXX fixed income & not well. they did not care. i did not receive any instructions when my number was ported back XXXX about returning air rave of phone. XXXXI paid XXXX for phone. they said that information via mail would confirm I broke contract.balance went to collections because I did n't return airrave or phone. by then I was paying XXXX for service & donated phone to a battered woman 's facility. collection agency worked with me to try to resolve but I did not have the money to pay in XXXX days & I was in dispute with XXXX regarding the disconnect & not informing me of or sending the mail back kits as they finally said we are charging you because you did n't return phone or air rave. I still had air rave & they then sent a mail back kit with NO explanation why it was not made clear about returning the equipment or mailing me the mail back kits. I 've spoken with XXXX several times. they have been very helpful as has been experience. the unpaid balance was reported XXXX XXXX XXXX. I just started working part-time XXXX XXXX XXXX. I got credit for air rave return but they wanted full price for phone & I told them that I paid {$100.00}. for it that I paid for service for XXXX year & donated phone because it was never indicated to me to return it. they said they would settle for {$200.00}. which I paid on XXXX XXXX XXXX. I had no idea that this would be on my credit report negative until XXXX. I am asking that you please try to get this off. I have to get new vehicle mine is XXXX yrs old. I have rental income part time job XXXX. I have to resolve this as its affecting my credit. thank you sincerely XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting wrong information on my credit report. I tried to dispute this information but they will not allow me to do so. My report # is XXXX. I viewed my report online as I am trying to obtain a mortgage but not able to do so because of the accounts they are reporting with teacher 's federal credit union. There are XXXX accounts reporting with this bank showing as negative/charged off to a bad debt. There is one for {$6600.00} another one for {$860.00} another one for {$7500.00}. and another one for {$860.00}. I only had XXXX loan with teachers and that was for {$6600.00}. I did not have all these loans. Last month my credit report showed {$6600.00}. and {$860.00}. now there are XXXX more added. This is ridicilious as they will not let me re-dispute this wrong information and they have no right to add XXXX more negative balances to my report. I wish to file this complaint about experian credit reporting company.

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 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX reported a hard inquiry on my Experian Credit Bureau on XXXX/XXXX/14. I have no knowledge of what this company is.

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 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to XXXX and Experian a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,

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 2016-05-01 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: PA

Complaint narrative:
This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with XXXX reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks 5 or 6 questions. That is 15 or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If XXXX of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.

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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I purchased a vehicle and the dealership pulled from XXXX other finance companies. The credit inquiries were being counted as individual ( XXXX ) vs as only XXXX for car shopping. This occurred within a 12 day period. I disputed the information as the inquiries show individually causing an unfavorable credit report. Experian has done nothing to correct this matter despite my disputes. I also attached a few letters from creditors that sent requests to remove inquiries from my report to Experian and only XXXX has been 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 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian reported a wrong collection amount on my credit report from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX. They denied my disputes and refused to provide written explanation. I spend my valuable time and hard earn money to prove that they were wrong. Please see attached documents for detail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 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 that do not belong to me 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 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is in violation of the FCRA. We have contacted each individual company via certified letters without method of verification or any viable evidence that these accounts are being correctly reported to you. Since the letters were sent out on XXXX XXXX means that you have failed to report correct information on my report. The section reads : FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
I have attached a copy of my credit report and highlighted the accounts and a copy of the lawsuit you are named in the event that these issues come off of my report. Please remove the highlighted accounts from my report. 

Please refer to Case number : XXXX. You have failed to provide me with the proof that the inquiries listed belong to me or to someone else. You also failed to respond to my rebuttal of the dispute within 15 days. There is a {$1000.00} fine for each occurrence. That adds up to {$16000.00}. We will be seeking this amount in damages. 
Here are the inquiries in question once again. 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
additional info pertaining to active claim with ftc I have asked Transunion for copies of my original signed documentation of file to verify each of the accounts that I have listed that this info is mine and is correct per the fcra I have a right to asked the credit reporting agency for. they have stated that they have verified that the info is correct. I have asked them to send me copies and also who did they speak to and they have fail to comply with my demand this is a federal law that all consumers have the right to asked the reporting agencies for this is the law I have attached a copy of the section XXXX act per the FCRA TRANSUION IS IN VIOLATION OF THE US LAW..

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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Previously disputed bankruptcies being reported o my credit report. Experian sent me results that the items were factual. I then resubmitted a dispute due to there are multiple spelligs of my name and multiple social security numbers that do not belong to me on my report. In the latest dispute Experian refuses to reinvestigate my claim of the bankruptcies not belonging to me bankruptcy case # XXXX XXXX XXXX These are not my cases

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 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: NH

Complaint narrative:
I went in to get my report and score. I followed the instructions and I did not get it. I called and they said it went to an inactive account. They said I had to set up a new account with a new email which I did. I still did not get the report. They said I had to wait 2 hours so I waited till the next day ( today ). The same thing happened - it went to an iactive account and I still did not get a report. They were not going to reverse the charges saying it was valid. I didnto get my report. I have not gotten my report - I need a report and yet I can not get it. SOMETHING HAS TO CHANGE WITH THESE BUREAUS. THEY WANTED ME TO DO THEIR {$1.00} SCAM. I SAID NO NO NO!!!! I WANT TO APPLY FOR A LOAN AND I CANT GET MY CREDIT REPORT OR SCORE!!!!!!! You are a govt agency and you should be doing something about this. Either dissolve these scams or keep them from scamming us and allow us to receive our credit reports and scores. THIS IS BUERACY AT IT FINEST!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2016-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian will not let me dispute my credit report. Just recently there is a company listed on my credit report went out of business because they were ripping of military soldiers. I was one of those military soldiers. The company in question is XXXX XXXX. I just want to be able to dispute this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: NC

Complaint narrative:
I have written Experian XXXX. I have included a copy of my drivers license, social security card, and even page XXXX of my current bank statement showing my name and residence. EXACTLY WHAT THEIR WEB SITE SAYS TO DO! 
The XXXX letter they said was suspicious and they refused to do anything. The XXXX letter they ignored me and did not even respond! I have heard stories and read news reports of abuses by these companies and I shocked that I am now a victim of them. I called the XXXX attorneys office and they suggested I file a complaint here and you would help me as this is a Federal issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company has n't deleted item after I provided proof.

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 2016-03-20 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 XXXX account from my credit report that does 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 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian will not remove this item from my credit file. The collection agency " XXXX XXXX XXXX XXXX ( XXXX ) has sent them letters several times to remove it but they will not. Information was sent to the XXXX Court system to vacate the judgement because it was an error but Experian failed to contact the court system and my credit score has dropped because of this. I 've been dealing with this for about a year ( maybe over a year ) and I would like this removed and if possible Experian pay for the damages because I have trying to rebuild my credit and Experian is hampering my progress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in XXXX XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected?

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: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: GA

Complaint narrative:
This is an official complaint against State Bridge Company for threatening me with foreclosure action without providing me with requests for full disclosure, validation of debt and opportunity to be considered for a loan modification or a principal reduction.. State Bridge Company has failed to answer my specific questions pertaining to the mortgage transaction. In addition, State Bridge and home Inspection Company has interfered with my contractors by unlawful entry and missing construction equipment. 

Rather than truly discussing options, especially a principal reduction that would be conducive to my current income and financial circumstances, this servicer appears to be only and solely interested in foreclosing against my property on XX/XX/2016, Rather than allowing me to retain the mitigation services of XXXX XXXX XXXX, State Bride Company chooses foreclosure as an ultimate remedy ... 

Even with the recent assignment from XXXX XXXX XXXX, XXXX to a State Bridge Company, there has been no effective follow-up on any of the issues or specific questions addressed in several attached communications. Moreover, this servicer has failed to disclose a valid Power of Attorney to perfect any foreclosure action on the property. Throughout my correspondence experience with State Bridge Company, this servicer responds in vague, fictitious, misleading and deceptive language. Furthermore, State Bridge Company has failed to direct me to a specific person of contact in order to resolve any mortgage issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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:
On XXXX/XXXX/2016 my credit was pulled and it showed several accounts that did not belong to me. With Experian they are reporting an address that I have never lived on. I mailed a dispute letter and they responded back on XXXX/XXXX/2016 requesting documentation to verify my ss #. I mailed my IRS - ITIN number and a copy of my ID because I do not have a social security number. Then on XXXX/XXXX/2016 they mailed another letter requesting the same documentation. I do not know what else to provide because I 'm unable to provide them with a social security letter. I believer they should remove it because I have provided all the documentation they requested.

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 2016-10-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have been trying to defer payments from being on XXXX. I finally received the documents to do the deferral, but they are still charging me late fees and have reported missed/late payments to the credit bureaus despite being in the process of deferral. It took 2 months to defer the payments on their end, it should never have been reported. The customer service team was rarely helpful and refused to let me speak to supervisors about my account.

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