vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Io, Inc.
State: GA

Complaint narrative:
XXXX issues : 1. Agency refuses to validate the debt with me, even after a phone call and two letters. They did not validate the debt but, instead, updated my credit files with derogatory entries. 2. They have changed the balance amount AFTER I filed two more disputes, and a complaint, in XXXX 2015. I have seen {$160.00}, {$300.00}, and {$310.00}. Is this even LEGAL? How is a company allowed to report information and not send the required information, when requested? Clearly, I did not get any notification from them as I had relocated to another state BEFORE they even took over the case. Therefore, I was not served the papers to verify if that debt was mine. 3. They claimed they sent me a certified letter after filing the first FTC complaint. Not true at all. They never sent a single piece of paper to me, showing a complete breakdown of the amount. 4. If they are including an additional fee in the amount, that 's up for dispute, as well. I never entered into any agreement with them for their services. Therefore, I disagree with any fees included in the amount. 

XXXX and XXXX investigated and removed this debt from both of my credit files. On XXXX XXXX, 2015, I filed another dispute with XXXX, due to the above information. 

Bottom line : the legalities of them being able to change the amount owed needs to be investigated, as well as not providing me with full verification of the debt. I also requested their licensing and legal status for doing business in the state of Georgia. See the attached letter for additional information requested, regarding this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have contacted Experian multiple times to review my credit report after being denied credit -- which is my right. I only get denied credit when a company pulls Experian and I want to know why because to my knowledge there should not be any new collections. Up until two weeks ago I was able to view online, but it would not let me dispute debt that was not known to me. I 've written letters to Experian with dispute information, contacted the collection companies and have got absolutely no where. At the time it would no longer let me do anything online, I called the XXXX number. Unable to speak to anyone, I was able to request a copy of my credit report to be mailed to me. After receiving, I went on the Experian website to dispute information that was not mine using the confirmation number. It still would not let me. It basically says I 'm blocked. How am I supposed to do this? There 's no one to speak to, they do n't acknowledge letters and I 'm blocked from viewing my report online. It is totally unfair to hold my credit hostage. This should not be legal!

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 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Good afternoon, I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX Bank had the second lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XXXX. XXXX XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

In early XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian in late XXXX XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XXXX XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX Bank eliminated the monthly obligation and updated the status to a charge off as of XXXX XXXX. 

Now my credit report says I have a RECENT LATE as of XXXX XXXX - but the last time I was late with payments was XXXX XXXX. Compass recent reporting of my charge off occurred in XXXX XXXX and their adherence to this date makes lenders and other affiliates assume I was recently late on my obligations. But as you can see on the evidence provided I was NOT late on any payments in XXXX XXXX. ( I have n't been late on any payments since XXXX XXXX. ) How could I be late on an account that has been closed since XXXX? XXXX wrote that the balance is past due as of XXXX XXXX but I was 120 days past due from XXXX XXXX. 

I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. 

Per Experian my Time Since Negative is XXXX years ( point one years ). Please help. I have n't been late since XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XXXX XXXX. 

Thank you kindly. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continue to list a Civil Judgement which is not mine.Experian has deleted the entry from the Original Creditor which is XXXX XXXX, but they are not deleting the Civil Judgement from XXXX XXXX. When the Original Debt from XXXX XXXX is not mine, how come the Civil Judgment from from that debt is mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is a paid charge-off account. 
In the state where I live ( New York ), the statute of limitations for paid charge-off accounts is 5 years. 
As the first delinquency occurred on or before XX/XX/XXXX, Experian will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/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 2015-07-15 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:
my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all three credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. The date the account was opened and the original amount of the debt is inaccurate as the debt was incurred in 2011 and the original amount was {$510.00}. This inaccurate information has caused adverse actions for me in terms of receiving credit and services.

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 2016-06-10 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:
Doing my annual check of my credit. Went to FTC and then XXXX Credit report. Successfully downloaded from XXXX bureaus : XXXX and XXXX. Having a lot of problem getting a report from Experian. I tried several times online. Got their XXXX # and called them several times and went thru all the choices. The only way is to pay. I called back XXXX to see if they had another number for Experian ( they were kind enough to give me a different number ). I called this other number and same as the first XXXX I called. Not able to order the free credit report. Only way is to pay. Not able to order the report via phone. Not able to talk to anyone. I called CFPB and they gave me a XXXX to order free credit report via phone. I did order for Experian, I am not sure if I am going to get it ( takes 15 days ). The reason I am writing this is, the lousy service and may be not being able to access of my credit report from Experian like the other XXXX bureaus gave me. Experian should look into the system to provide the report easily like the other XXXX bureaus. Experian is the only bureau that does not provide a human being for the phone service. Horrible service!

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 2015-08-14 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:
I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home.

Company public response: Company 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: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My boyfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX Apartments and Experian Credit Reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I get an account report with Experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I submitted proper documentation to Experian about an account that is no longer allowed to be reported on my credit. The credit report that was sent to me by Experian on XXXX XXXX, 2015 stated plainly that the account in which I disputed was to continue on my report until XXXX 2015. After a few days in XXXX I reached out to Experian to have the matter cleared up only to be informed that they would not investigate any further, period. I am reaching out to you for assistance because as of XXXX 2015 and a dispute with both XXXX and XXXX for the same collection account, these negatives have since been removed from their records. I also forwarded proof of this to Experian to shorten the process in getting this account off of my credit report and they are refusing to uphold the law of reporting timeline accuracy. I am in the process of trying to purchase my first home and Experian 's disregard of the law is causing me and my fiance a lot of unnecessary pain and suffering. I have proof of deletion from XXXX direct dispute and I also have the Experian report stating the expiration date of this negative item and will also include credit report from both XXXX and XXXX proving that this account is no longer being reported, I just need Experian to do what is right in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed inaccurate information with Experian regarding the accounts that are listed on this dispute. First of all, I 've contacted the companies via USPS certified mail and sent them a letter of debt validation. None of these companies responded with any verification or validation of the accounts or the information regarding the accounts. By law, these companies are supposed to verify to me that these accounts and the information is accurate. I would like to know what verification/ validation did Experian receive regarding these accounts that was competent since they say the investigated my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX somebody was using my social security number. I use to have XXXX negative accounts, and I disputed all accounts and my fico score use to be XXXX with Experian and now I have XXXX negative accounts with Experian and my fico score is XXXX. And I want your help to bring my fico score higher. Also, I was a victim of identity theft. And this year I bought a house and my fico score with XXXX credit vural, and my fico score is XXXX. XXXX credit vural is XXXX, and with Experian credit vural is still very low at XXXX. XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Nelson Cruz & Associates LLC
State: OH

Complaint narrative:
Nelson Cruz and Associates called to collect a debt discharged in bankruptcy over 10 years ago. Accused me of fraud due to " cross collaterilization '', threatened to " flag '' my car ( whatever that means ) and overinflated the amount of the original debt. Told me that the debt was not covered under my bankruptcy, which it clearly was, and regardless of that, the statute of limitations would certainly apply. Their tactics are scummy and unethical.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Adverse information was incorrectly reported to XXXX and XXXX, and it was later removed from those XXXX credit reporting agencies at the request of the collection agency. A version of that incorrect information is now on Experian, however, and Experian has not allowed me to dispute it online. I have been told by people dealing with the agencies that Experian will " grab '' information from the other agencies even when it is not reported to them. And now I find I ca n't get them to cooperate in correcting the record without paying them.

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 2016-01-12 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: CT

Complaint narrative:
I went to annualcreditreport.com and got my report. Only XXXX provided a report and score. I then contacted XXXX and reached them quickly. They noticed an account that belonged to my deceased father on my account that prevented them from giving me a report. 
They quickly moved to remove that account and it is in process to be fixed. 
On the other hand, any attempts to get a report or contact Experian has been futile. 
Every time I either try to sign up online for a report or start a dispute, I am kicked out of their system/webpage and any attempt to reach a person to help me has gone to dead end menus on their system. I know there is some reason why my Experian score and report can not be obtaned, but there is no way I can get through to them online or by phone. 
Please help as Experian is impossible to reach and there system is not letting me get anywhere. 
Thank you very much for your help, XXXX XXXX Concerned Citizen Consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have been questioning some charges from XXXX, and XXXX without calling me to discuss this once, though I have repeatedly asked them to, reported to the creditors that I was delinquent in paying them. As anyone can see from my credit report, I have very good credit history, I have never once been delinquent in payment to anyone. I would like this report amended as my credit score should not be ruined for daring to dispute or ask for clarification from XXXX over charges. 

Regards, 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 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i'am filing a complaint against Experian Credit Reporting Agency , they have ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. under SECTION 611 ( 5 ) ( A ) of the FCRA -- they required to ''prompty delete all information which can not be verified '' that i have disputed. Please resolve this manner as soon as possible. THANK YOU SO MUCH ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 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:
I GOT PER LAW THE OTHER XXXX CREDIT REPORTS BUT NOTYOUR AS THE PROGRAM WILL NOT LET ME GO FURTHUR THAN FILLING OUT INFO THEN CLICKING. BY LAW I CAN GET ON FROM EACH OF THE XXXX CREIT REPORTING COMPANIES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent XXXX letters to Experian Credit Reporting Agency now in regards to old debts on my account from 2004. The FTC says these debts should drop off your credit report after XXXX years. I notified Experian that these are still on my credit report, yet after XXXX months have not had one response in regards to them and they still show on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation