vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I applied online for an installment loan and was approved for a {$2000.00} loan. Upon trying to get the loan they want me to put my car title up for collateral in which i disagreed. I asked for an unsecure loan. The branch manager in XXXX, OH denied an unsecured loan based on some derogatory past credit cards. The credits are not in my name and i am just an authorized user and they want to base thier claim on someone elses credit card history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is displaying i have a late on payment on my XXXX XXXX account when it was fixed by the credit about 5 months ago. Experian did their investigation and removed the late payment 4 months ago out of no where they reinserted the deleted information again on my credit report which dropped my credit score drastically. i was denied for credit because of their mistake to add this negative delinquency on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.

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 2015-07-31 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 filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around XXXX/XXXX/15. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/15 I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is because Experian has ignored my request to provided me with the documents that their company has on file that was used to verified the accounts I disputed. They have gone past the 30 days and ca n't verify these accounts.Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I have disputed. I need this issue resolved 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 non-monetary relief
Consumer complaint received 2016-04-17 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 someone stole my identity, and used my personal information to apply for and open up the following unauthorized and fraudulent accounts that are not my accounts : 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, US Department of Education, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : 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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am filing this complaint because XXXX 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 and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner 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 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
They are not doing proper investigation of my accounts. Under the FCRA they need to contact the company not just a XXXX digit code. Also under FCRA section XXXX they need to have proof of the account in their records in order to report it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid off the past due balance on a credit card through the assigned collection agency in 2011 ; however, the original creditor shows that the debt is still owed - this is incorrect on my Experian report. XXXX XXXX needs to indicate that the debt was sold. The collection agency shows correctly that the debt was settled in full in 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
An item that is not mine is reporting on my credit report. I filed a police report and was advised it has been removed. per the attached complaint wit the CFPB. However, this is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to know the reason why Experian declined my request to remove an item that was inaccurately placed on my credit report. An apartment management company sent my final move out statement to a collection agency and the collection agency reported the account as delinquent to all the CRA 's before I was aware of any amount due. In essence the collection agency dinged my credit report before I received any notice of an amount due from the original creditor. Not to mention that the original creditor failed to properly apply all my credits and payments and thus reported inaccurate information to the collection agency. According to my accounting I had no money due to the apartment complex and I should be receiving a return of my deposit.I received, from the original creditor, a move out statement in the mail on XXXX XXXX, 2012, the envelope had a date stamp of XXXX XXXX, 2012. The Move Out Statement states that I have 15 days to respond or my account may be forwarded to a collection agency. I responded to the original creditor the day I received the move out statement. On XXXX XXXX, 2012 the collection agency had already reported my account as delinquent to the CRA 's, please note that the collection agency reported on XXXX XXXX, 2012 that they had properly notified me of a delinquent account and that they have, in good faith, verified the accuracy of a delinquent account. Yet the collection agency did not generate an " initial letter '' of a reported delinquent account to me until XXXX XXXX, 2012, and according to the date stamp on the envelope they did n't mail it until XXXX XXXX, 2012. It is blatantly clear that this whole scenario is a violation of my right to Fair Credit Reporting Practices. In my dispute to Experian I clearly stated that, if not in federal law, in California state law, where I reside, there are credit reporting accuracy laws that have been violated. This item should have never been reported to the CRA 's. I can not fathom why such a clear violation of my rights has been shoved aside. I would like Experian to give my a legal explanation of why this item will continue on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My XXXX credit card account has been paid off, and my credit report still shows a balance and that it is delinquent which it never was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our 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 2016-07-21 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:
Experian is reporting an address that is not mine. I have disputed this incorrect information on many occasions and I have not have any success getting this incorrect information remove from my credit report. The incorrect address is the XXXX XXXX XXXX, XXXX, GA address.

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 2016-03-05 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:
Experian is absolutely refusing to do a proper investigation of these XXXX accounts. 
XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX. Neither XXXX of these accounts have been updated by the original creditor, which means they never contacted them. The dates for the first delinquency is in question and the high balances are not correct.

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 2015-07-14 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: CA

Complaint narrative:
After filling out the questionnaire, I was rejected from viewing my credit report. I answered the questions honestly and to the best of my knowledge, and I was given no reason for why I was rejected. If someone has been fraudulently using my identity for a loan or an account, that may have made my answers incorrect on the questionnaire, which in turn could have resulted in my denial. Am I expected to know what 's in my credit report before I actually see it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted this company multiple times asking this to do a full investigation regarding these multiple inquiries and he fact that my social and name had been changed as a result these inquiries popped up and were not authorized. They failed to properly investigate my request and also never sent proper validation as to why these are accurate and valid inquiries. I contacted these companies reporting inquiries on my credit and they ca n't find my information in there system yet experian failed to furnish proper valid proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report negative data reported on the credit report as of this date the FCRA say that information can not be kept on a credit file for more than 7 years since opening the attached data continues to be kept by Experian as of this date this is a violation of our civil rights Since XXXX XXXX was opened in XX/XX/XXXX which is 16 years and XXXX XXXX which we never had an account with but apparently was opened in XX/XX/XXXX which If we had an account with was never notified and XXXX with was opened in XX/XX/XXXX which was 12 years ago. the XXXX original Case is above document are attached since I am XXXX this is elder abuse

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This Bankruptcy is not mine and does not belong to me. I have reported this to all XXXX credit bureaus and they will not re-dispute it. I have provided them with a copy of my police 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 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Had several mortgage loans change servicers outside of my control. The change in servicing companies is reflected in my credit reports. The problem is that these all now appear as new lines of credit, substantially lowering my average account age and therefore lowering my credit score.

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 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has been replacing old information over and over I ca n't open credit cardsmy score is being damaged for XXXX months now and over XXXX yearsI have no REmedy pls help. 
Pls be advised I want everything to be clean and up increase in my scoreing system. 
I have been disputingXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, after canceling my services with XXXX, I boxed up the equipment and took it to the Post Office to return it. The Postman saw where it was going and told me to be sure to keep my receipt as he had heard a lot of complaints from people who say XXXX never acknowledges receipt of returned equipment. 
On XXXX XXXX, XXXX I received a letter from XXXX stating they did not receive the equipment. I explained it had been shipped back and they should be receiving it shortly. 
According to XXXX Proof of Delivery the package was received on XXXX XXXX, XXXX On XXXX XXXX, XXXX I received a letter from a collection agency, XXXX. XXXX, XXXX as XXXX had sent the account to collections 16 days after they received the equipment. I immediately notified the collection agency that I disputed this and sent proof of deliver to them as well as to XXXX. 
I thought this had been resolved, but approx. 3 months ago I found it listed as a " collection account '' on my Experian report. I sent in a disputer letter to Experian. 
I was recently denied a mortgage refi as XXXX still had this listed with Experian as a collection account. I believe the reputation XXXX has with the Post Office personnel is accurate. They do not acknowledge receipt of equipment returned and cause their former customer undue grief by having to " prove '' they returned the items. And even then, they do not correct their error. The costly effects of inaccurate credit reporting causes hardships and stress on people and XXXX should be held accountable for this. I am requesting assistance with getting this removed from the credit agencies and would like to see an investigation into how many others XXXX has harmed. I am attaching the following copies : Drop-Off Package Receipt Proof of Delivery Letter from XXXX Letter from XXXX XXXX XXXX Thanks, 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 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been in communication with XXXX and Experian for almost a year regarding negative items that is currently impacting my ability to establish credit and purchase a home. These items are reporting incorrectly and they refuse to validate the validity of the items : XXXX XXXX ( never delinquent ) and XXXX XXXX XXXX ( never delinquent ).

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 2017-01-11 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 ignoring my requests to investigate and remove accounts from my credit report that do 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