vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I 'm filing this complaint against Experian because they have repeatedly refused to delete an account on my credit report that does n't belong to me, nor have they provided any supporting documentation in any regard that proves that said account has been supposedly " verified '' by the information furnisher and thus belongs to me. They are required by Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act to delete any account that can not be verified. Federal case law also states " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. '' If they are claiming the account was verified, how was it verified? I asked, and they gave no explanation. I asked for an Original Signed Contract, they have provided none. Please help me in resolving this matter, I 'd greatly appreciate it!

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 2017-03-12 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:
There is a collections account on my Experian credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is 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 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been working with Experian for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.

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 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX must be removed from report. I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started text ing landlines. texts did not go thru on landlines. XXXX wireless charged me {$290.00} for texting to landlines which could not would not go thru.

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 2015-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: IL

Complaint narrative:
we have had XXXX XXXX as our lender on our first and second mortgage for over 20 years about 2 years ago they sold both our first and second mortgage to a company called Statebridge Co. in Colorado we made our payments on time and then the first week of XXXX we got a letter that the said the mortgage had matured and that we had untill- XXXX XXXX to pay {$320000.00} in full or they will foreclose on our property we have tried refi with them but they wont listen at all any help would be nice also they had both our mortgages but about a month ago the sold our XXXX mortgage to XXXX servicing about 3 weeks ago. We need some help they are totally uncooperative

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''.

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 2016-08-07 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: TN

Complaint narrative:
I have applied for my XXXX credit report. I was told I had to send information to show who I was. I provided my state id and social. I have yet to receive my credit report. I did get a letter from the agency again asking for the same 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 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have checked my credit report that Experian sent and they claim to have verified data that is inaccurate. I was sent no proof, just a updated report with the same inaccuracies. I have attached a letter to prove the inaccuracies from the most updated report I received from them # XXXX. This is my due diligence to correct these inaccurate items. Any response that claims the verbiage is similar to a third party will be considered a stall tactic and recorded to support a claim in small claims court and a FTC complaint. Attached is my identification and letter proving the inaccuracies.

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 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was involved in a real estate investment over 10 years ago. I lost XXXX propertis to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a XXXX late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!

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 2016-09-26 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:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101.

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 2015-08-08 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:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11 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:
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 University XXXX, XXXX, and XXXX. and have gotten no 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 a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really 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 explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to seek assistance? XXXX XXXX and Experian just recently notified me on XXXX XXXX, of an incident that involved unauthorized disclosure of my personal information. According to them the incident happened on XXXX XXXX, 2015. I dont feel assured that my personal information is secured, just today I received a call from a Collection agency in behalf of XXXX XXXX asking for my personal information. Experian and XXXX are stating they have conducted their own investigation the results are not clear. As a consumer I would like to be contacted as soon as possible, my information, name, social and date of birth, should be protected. The letter is dated XXXX XXXX, 2015 and was just received on XXXX XXXX, 2015. 

Thank you for listening, 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 2016-06-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Argon Credit
State: CA

Complaint narrative:
I paid off my loan in full and they are reporting I still ow the full amount to XXXX. I filed a complaint with XXXX but the company is not responding and delaying the resolution meanwhile lowering my credit score, which they in turn used to deny me a new loan.

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 2017-02-04 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:
On XXXX different occasions, written requests for information on origin of debt, the original lender, etc., was mailed and faxed. I to this day never received a response. Per my rights, I am asking XXXX to remove this debt from collections. I also am asking all credit reporting agencies to update per this request. I am also seeing that this debt is being listed on my credit report by creditor that closed and sold debt, as open again. As of 2011 it was written off.

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 2017-03-11 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:
For the past 6 months I have tried to work with Experian and have XXXX improperly placed accounts removed from my credit. I do understand mistakes happen but i am having problems with them correcting the error. 
XXXX Account Number XXXX BK Reference # 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 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX was removed from XXXX and Experian credit reports due to the accounts being mis dated to appear new when they are over 10 years old. This company has reinserted XXXX charges to my credit and dated them XXXX 2016 I was not notified by anyone that these would be placed back on 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 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have called Experian numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XXXX/XXXX/2016 and XXXX/XXXX/2016. All investigations sent back to me case closed with no signed evidence that I applied for the credit. I also spoke with an Experian representative who put a fraud alert on my report on XXXX/XXXX/2016 and I have not received a response and it is past 30 days. I have also sent a certified, notarized letter to both Experian and XXXX on XXXX/XXXX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX and 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 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because EXPERIAN has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue 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 2015-04-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am having issues applying for credit because of this fraud alert that is on my file. I have tried to log in to review my report to see what number is reporting to contact me and their website has changed the review report again link and it is not letting me view my report. I would just like to remove this fraud alert completely from my file. I have purchased a credit monitoring service and have guarded my report in this matter. Please remove the fraud alert from my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been trying to get a loan modification for several months. I experienced a ligetimate financial hardship with the closing of my business after losing a major contract. I was denied a modification because I did n't make enough money. I worked really hard over the next 3 months to increase my salary and got XXXX jobs. Now I resubmitted my information with the new income I have. They are saying I 'm ineligible for re-entry and my home now has a sale date of XXXX/XXXX/16. I am also working with XXXX and they suggested I come to 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 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: MN

Complaint narrative:
I am a victim of identity theft and I received a fraud alert from Experian in reference to unauthorized and fraudulent inquiries listed on my Experian credit report. I should n't not have any inquiries listed on my credit report. The following inquiries are unauthorized and fraudulent : 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 2016-10-03 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:
I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as Experian. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XX/XX/2016.

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