vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested for Experian to dispute XXXX XXXX on my credit report, account number XXXX. I am attaching the letter from my daughter indicating the account was not mine that she signed without my permission or knowledge, this should be more than enough for the organization to release me of liability. but yet I am being responsible. XXXX asked me to send a signature from 2007 which is senseless as I do not have anything from 2007. I have already given them a letter from XXXX and I have provided a domicile where I have lived over XXXX years and the organization did not have my address or email or anything of the such. The info XXXX has matches up with my daughter. I provided a domicile to them not only did it list my addressed but also my signature. Experian refusing to dispute is violating my rights. XXXX has had this fraudulent account on my credit almost XXXX years and I want it removed. I did not think it would be necessary to retain legal representation for this XXXX situation but it seems I may.

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 2016-01-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have Amazon card with Synchrony bank. I paid it off a while back, but they still sending me bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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 took a look in my experian credit report and i saw that there was a XXXX account XXXX and my report that did not belong to me. so i send a certified letter on XX/XX/2016 to them asking to validate this account that they claim belongs to me.it is now XX/XX/XXXX i never received anything from them stating that this account belongs to me. they are in violation of the fair credit reporting act. they fail to provide me with a contract bearing my signature and marking my credit report disputed by consumer within the 30 day time frame and should be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting my OPEN and CURRENT Mortgage loan with XXXX as XXXX in BK. XXXX is reporting the monthly payments but Experian is supressing the information and refuses to accurately report the payments and show the account is Open. This debt was Officially reinstated in a Chapter XXXX BK. This is NOT a Chapter XXXX BK and Experian has no legal right to not rport the current status of this mortgage

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XX/XX/XXXX-approximately 11 years. I have contacted all XXXX credit bureaus ( XXXX, XXXX and Experian ) and they refuse to remove the accounts each time and now they are reflecting duplication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
inquries were removed and re added without notice or reasoning List all inquiry names and dates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have sent in disputes before and did not encounter this issue, so I am very confused to say the least. 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Apparently XXXX of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-16 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 a XXXX credit card for 5 years. Always pay balance in full. Signed up for online billing never received bills. Got phone call stating that I was over 30 days late. Paid immediately, they reported me to credit bureaus for being 30 days late. They said I was late and charged me {$25.00}. Since I always paid my bill in full I did n't know I had a late charge of {$25.00}. Because I did n't pay that late charge they put it into the credit bureau as an over 30 day late. Contacted XXXX, they moved all the late charge and other late fees that incurred because the XXXX late charge did n't get paid but they did not remove the 30 days late on my credit report. My perfect credit is being tainted by a late payment of a late charge that incurred because I never got a bill. XXXX ended up removing all the charges because I never got the bill and my perfect credit history with them was evidence that something was wrong. To stop the instantly I have set up automatic payment of my XXXX charge so this never happens again. 
I am requesting that the 30 day late be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 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:
my credit report shows someone else 's name under my social security number.

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

Complaint narrative:
In trying to verify that all XXXX credit reporting firms reflect closed accounts and have CLOSED their credit reporting files on my husband 's file ( deceased XX/XX/XXXX ) I have found credit INQUIRIES were twice made by " XXXX XXXX XXXX '' in XX/XX/XXXX-XX/XX/XXXX ... ... ..which I presume to be XXXX XXXX. After today 's news regarding XXXX XXXX 's MASSIVE fraudulent practices I am presuming this was a 'test ' to see if they could tap into possible open XXXX accounts or?????? For certain HE was not alive to ask for ANYTHING requiring a credit inquiry to Experian or any other firm as ALL accounts were closed/terminated by XX/XX/XXXX. 
I am having problems getting deceased husbands credit files CLOSED!!??

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: FL

Complaint narrative:
XXXX/XXXX/XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB 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 2016-06-09 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.

Complaint narrative:
I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in XXXX navigate the website for me while I was skyping him and we could n't get through the security questions for Experian and XXXX. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from Experian and XXXX, this is the XXXX time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a XXXX so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.

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 2016-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: OH

Complaint narrative:
I contacted FedLoan Services after hearing a commercial on the radio. The company offered to consolidate my loans and lower my monthly payment. However, I had to pay them {$800.00} up front and an additional $ XXXX per month for their service fees. I paid them {$99.00} every two weeks until the amount was paid in full. Now, I pay them $ XXXX per month for their services in addition to my monthly payment goes towards my student loans. My first payments started on XXXX XXXX, 2015. 

I found out that charging a fee for the services was illegal when I called your agency in regards to something else. If this is the case, I would like my money to be refunded to me. I 'm also wondering if they are allowed to collect the $ XXXX monthly fee as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: DC

Complaint narrative:
My loan payments have not been applied according to my instructions to apply any excess payments towards a principal, rather than future payments. 

On XX/XX/XXXX, I received my monthly bill totaling {$370.00} for my student loan payment due XX/XX/XXXX. 
On XX/XX/XXXX, I provided FedLoan Servicing directions on how to apply my payments toward my student loans. I used the CFPB template to provide these instructions On XX/XX/XXXX, I received notice from my loan servicer that these standing instructions were approved. 

On XX/XX/XXXX, I made a payment towards my student loans of {$400.00}. This was {$24.00} in excess of my bill. None of the payment was applied to the principal on my loans. 

On XX/XX/XXXX, I received a bill for {$370.00} due XX/XX/XXXX. Which included the statement " You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. '' This is counter to my instructions that any excess payments be made to the principal, not future payments. 

On XX/XX/XXXX, I contacted my student loan servicer to request that they change how my payment was applied, in accordance with my instructions. 

On XX/XX/XXXX, I received a response from my loan servicer which read " Your Standing Instructions for all future payments have been approved, however, there were no additional funds from your payment of {$400.00}, submitted on XX/XX/2017, to be used towards any of the principal balances as it was applied to the outstanding interest on the account. When we receive a payment, we apply it to any outstanding interest and the remainder is applied toward the principal balance. Interest accrues daily based on your principal balance. The lower the principal balance, the less interest that accrues. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN fails to remove the XXXX account. EXPERIAN reports incorrectly that this account is paid monthly. EXPERIAN reports incorrectly this medical account is an open account. XXXX reports incorrectly the date of first delinquency. EXPERIAN fails to verify the authenticity of this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian XXXX-SERIOUS DELINQUENCY ; XXXX-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED ; XXXX-DELINQUENCY REPORTED ON ACCOUNTS ; XXXX-AVAILABLE CREDIT ON OPEN REVOLVING TRADES I have pulled my credit report 5 times. There is not ONE thing on my Experian report showing deliquent. I have complained about this SEVERAL times to Experian - all they do is send me a copy of my report showing NOTHING deliquent. I would like to take legal action to have this statement 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 2015-10-01 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: IA

Complaint narrative:
I kept getting a error at the end, telling me the " tell me more '' page had a error. That was my last and final error before reading that I was unable to get my report and had tried the maximum number of tries. I also got XXXX captha ( sp? ) wrong but this could not have been because I double checked each time and what I had typed in was exact to what was presented. I would just like to get my report without having to mail in for it. 

My husband is unable to get his online too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account below has been previously removed from credit report and has been reinserted. 
This time they have put fraudulent payments on report to reinsert it. They add a few numbers to the original account number and call it new. I have had trouble with XXXX falsely reporting account information in the past. 
Account was negative/closed in XXXX. Also account shows it was sold to XXXX so they do not have right to reinsert it. Filed dispute several times and experian will not let me dispute it again. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$0.00} as of XXXX/XXXX/XXXX Status Closed. {$660.00} written off. 
Date opened 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 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian refuses to correct inaccurate information dispute court documentation

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