vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts 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 2016-11-13 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: VA

Complaint narrative:
Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital undergoing transplant XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. 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 explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: NH

Complaint narrative:
I kept getting a call from XXXX when I answer it there is no one on the other end. after several continuous calls I called them back and found out it was ERC a debt collector. I asked them what debt they were trying to collect and they did not find any debts to be owed with my name, SSN or phone number. They removed my number 3 times over the past month and yet I still get calls. The most recent from a new number XXXX. There is no debt to be collected associated with me or my number and yet I get called every week sometimes twice a week. I am sure this is happening with other people too and it is very annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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 were opened fraudulently.

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 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Issue started with an incorrect filing on my Experian credit report. The verbiage was incorrect based on when the filing of my bankruptcy was declared from the courts. The original filing of my bankruptcy was XX/XX/XXXX. The credit report was showing for the line item from XXXX XXXX XXXX as XX/XX/XXXX. I supplied documentation showing the filing date of my bankruptcy from the courts and the paper work for when it was paid off. Experian came back and said after their investigation that this was a late payment and will be treated as such. Mind you, every other institution complied with the bankruptcy term and came off my credit report except XXXX XXXX XXXX. After receiving this dispute letter from Experian, I immediately called my Lawyer and my Credit Protection company to validate my concerns before contacting the FTC. The issue is that the XXXX XXXX XXXX has the incorrect date reported for filing of the bankruptcy and Experian did not dig deeper to investigate the real issue. At this point, Experian is stating that I have 5 more years before it comes off 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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Yes I have filied a identity theft to the XXXX credit reporting companys. I got XXXX response to XXXX, the other XXXX have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My 2nd complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what

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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Experian reports a closed, unknown account XXXX XXXX based from XXXX as a charge-off every month ; effectively re-aging the account as new, every month. I live in XXXX. I disputed the accuracy of the XXXX wireless account and it still is reported charge off every month!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a collection on my Experian Credit report from XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX from XX/XX/XXXX. This account appeared on my credit report in XX/XX/XXXX. I disputed it and it came back verified. So I called the company and spoke with someone named XXXX, I explained to her that I never had Progressive Auto before, she checked my file and stated her self that they did n't even have my date of birth on file, she then stated she was going to get in touch with Progressive and send me what they have on file for me. I received XXXX because there was nothing to send. I called EXPERIAN AND I asked them how are they verifying the information without any proof. They told me that they only send the dispute off and the collection agency either verifies or update, so I basically asked her so they are n't sending any proof just hitting verify and you all do not bother for them to send any proof. That is NOT how the FCRA works. Both companies are not following the guidelines of the FCRA. This account is not mines, no one is submitting proof, I do n't have a letter or anything and they just slapped it on my credit report. I am being going in circles trying to get this taken care of. EXPERIAN does n't care and XXXX just threw something on my credit report with validating or verifying or did not send me anything in the mail, and XXXX admitted not having my date of birth on file. Please help me in this matter.

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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed with Experian several times about my bankruptcy. They are reporting it incorrectly. I have submitted documentation and they will not delete this INACCURACY. I have asked for method of verification, all Experian has sent has been stall tactic letters. I want this deleted. Experian need to follow the federal laws. They ca n't be verifying this information for the bankruptcy. The address is wrong and there is no phone number to call. I want this deleted.

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 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted all XXXX credit bureaus about my complaint about the numerous inquiries on my personal report. they have advised to write to each individual creditor and ask them to remove the inquiry. This is a task that a person who has a family or otherwise a livelihood can do. Even though I have submitted a request for a credit freeze this does not prevent inquiries from appearing on my credit report. I am requesting that after the credit bureaus review all of my complaints to the various creditors and understand the nature of the complaints they should remove these inquiries.

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 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Two years ago a tax lien was placed on my home in Maryland. In XXXX of 2014 the lien was paid off when I sold the house. Since then I have repeatedly been denied loans due to the entry of the tax lien on my credit reports. I contacted the Maryland tax collection agency with whom I had been working and was told that they had in fact forwarded the lien release to each of the credit bureaus. Two weeks ago I applied for a loan and was denied due to a report of a tax lien on the property in Maryland. I would like to get this issue resolved and find out what if any legal remedies are available to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX XXXX, 2016 I completed a balance transfer from XXXX XXXX XXXX Credit Card to XXXX XXXX. On XXXX XXXX, 2016 I received a statement that stated I had a remaining balance of {$220.00} and the due date for that balance was XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told I needed to call back on Monday because the office I needed to speak to was closed. I called on Monday and paid the balance of {$220.00}, and was told that my account was paid in full and XXXX XXXX would alert the credit agencies that it was paid in full. I then got an alert saying that I had a charge off by XXXX XXXX for XX/XX/XXXX, even though I paid the amount in full. I have attempted to dispute this 3 times through Experian and have been denied, Currently XXXX XXXX is reporting that my account was charge off in XX/XX/XXXX and XX/XX/XXXX. I have never had a late payment with XXXX XXXX, in fact my credit report shows every month was paid on time, and then I have a charge off in XX/XX/XXXX and XX/XX/XXXX. The first problem being, I paid it in full, the second how can they even put a charge off when I have never been late, and how are they putting XX/XX/XXXX and XX/XX/XXXX as a charge off. I have all the paper work to show that I have paid my account in full and on time. When I have tried to speak with XXXX XXXX the were very rude, and so I also took all of their employee numbers.

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 2016-10-20 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 previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
XXXX. Account open in XXXX/XXXX/XXXX however history is incomplete and missing payment history in XXXX, all of XXXX, all of XXXX, all of 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 2016-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I keep disputing the payment history for XXXX XXXX XXXX accounts on my credit report. Every time I dispute they keep saying that the payment history date is right but the date changes everytime I dispute. First it was Collections XXXX, then XXXX XXXX, then XXXX XXXX, now Collections XXXX XXXX. Why does the payment history Collection date keep changing? It is supposed to be collections XXXX. I paid these accounts in XXXX and have letters to prove it. I also included reports from XXXX XXXX showing payment history Collection XXXX XXXX, XXXX XXXX report showing collection XXXX XXXX, and XXXX XXXX report showing collection XXXX XXXX. Fix or I will sue you for reporting false information! And I already called XXXX and they verified what I said and sent me the letters verifying payment in XXXX. They said I would have to fix it through cfpb.

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 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
some one used my social securty number to open utility accounts now i can not create social security 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 explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
all late payments and inquiry and other negative info on my report and filled complaintwith all XXXX credit bureau and never got any response in timely manner

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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:
hello i have tried sevrel times to get experian to delete negative info that the company agreedto delete no response and there system will not allow me to do an online dispute

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I was looking up payday loan companies online and came across this payday loan website XXXX and they advised that i can get a payday loan in five minutes. I filled out a ll the info that was asked and was contacted via e-mail by Northern Plains Funding , LLC. Then was contacted by an agent that advised me that i was approved for {$300.00}. Went through the process of verifying all my info with the agent like my contact info, place of employment and my bank information by calling my bank on 3way with the agent on the phone asking my bank questions to verify that it was my bank account and in good standing. 
The agent then advise that she will be e-mailing me the agreement and the way that it was explained to me is that I can make pays of {$90.00} per pay period or i can just pay the loan off in full, but i was not made aware that i would have to pay {$2300.00} on a {$300.00} payday loan i understand that payday loans can have high interest but not that high I have done previous payday loans in the past and paid nowhere near {$2300.00} in interest. Once I got the money I looked over the loan in more detail and seen all the interest that was being charged. I then did some digging only to find out that this company do not have any business license in the state of California or in XXXX XXXX county for that matter. I spoke with a agent from DEPARTMENT OF BUSINESS OVERSIGHT and they also tried to look up this company only to find that this company is not licensed to do business in the state of California. I was also advised by the agent that this company is on a XXXX reservation doing buiness, agent then adivsed me that i will need to file a complaint through Federal Trade Comission sense this company is located on tribal land. 
I have only made one payment of {$90.00} so far to this company thru direct deposit which i sent a e-mail to the company advising them of Revocation of ACH credit and debit no later then XXXX XXXX. 
From my understanding per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT website maximum fee a payday lender can charge is 15 % ofthe face amount of the check ( up to a maximum of {$45.00} ). but this company is charging me well over 15 % and well over the maximum of {$45.00}. 
This loan has a Annual percentage rate XXXX % .This loan is from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
And also per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT The lender does not cash the check until the borrower 's next payday, up to 31 days. This lender has clearly went over the 31 days allowed until my next payday the lender is requseting that i make 24 payments of XXXX and the last payment of XXXX. This lender is advises that all the payments will be applied first to the finance charges and fees {$2000.00} then to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. XXXX XXXX XXXX Mortgage begin a modification process on my 1st and 2nd mortgage at the same time in XXXX of XXXX. After complying with the terms and paying the trial modification my first was modified permanantly in XXXX but my second was not. I constantly asked XXXX XXXX XXXX the status, they said it was still working, I continued to pay the trial payment, then in XXXX of XXXX I got another notification that my 2nd mortgage was under trial modification, Again I continued to pay it on time and in XXXX the XXXX became permanant, almost 1 year later. XXXX XXXX XXXX reports that I was 120 days late and that I was late on my 2nd mortgage since the trial began. They corrected this on the first mortgage but not on the 2nd. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the 2nd mortage took so long. But with the first, XXXX XXXX XXXX Reported that I was on time from the start of the Trial Mortage. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my 2nd mortgage from XXXX of XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to XXXX XXXX XXXX and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.

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