vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 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:
Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with Expeiran, XXXX and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Experian is the only one of the XXXX that gave me any issues. Experian recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Experian 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. The inquiries are : Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX These inquiries are lowering my credit score which is causing me financial hardship. I want them investigated and removed. 

My credit report number 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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Experian however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Experian and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Experian and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Eleven years ago, I had XXXX XXXX which turn into a nightmare. XXXX. XXXX XXXX six month late. I lost my car, my job, my apartment and m y car was repossess. I turn it in.I sing documents. However, my credit report says that this lean was settle. But my credit is still showing. This is preventing me from getting a job. 
I presently lost the opportunity to get a job because this record from eleven years past was still on my credit report. There is not name of company to contact, no information. I ask a legal firm to help me, they assure me that without the proper information they can not help me. I need my credit clear so I can move on with my live. 
Page no. XXXX and XXXX are the one in question. 
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 explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I the Consumer file this Affidavit and Notice of Complaint with the Consumer Financial Protection Bureau for the matters set-forth herein. After requesting EXPERIAN to remove negative credit reporting activities of XXXX XXXX, the consumer was denied remedy to a complete and accurate investigation in regards to the removal of the items/accounts on his Credit Report. 

There are issues where the credit bureau EXPERIAN has denied the consumer remedy and a review of ALL proof of claims ( documented information provided by XXXX XXXX ) subject to public access. I, the consumer, offer this affidavit to EXPERIAN for the refusal to remove negative items/accounts from the consumer 's credit files, despite the consumer 's request and for failure to verify to the consumer any disclosed information in regards to the accounts being reported.

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 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have attached proof that i have requested that XXXX XXXX XXXX XXXX provide information to me that this is in fact my debt. I have not received a response. I have contacted them via certified mail. Attached you will find the original letter asking for the debt verification and the certified mail receipt. I would like this information removed from any and all credit bureau agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: MO

Complaint narrative:
I tried to get my annual credit report at Annualcreditreport.com and Experian advised that they were unable to provide my report online and that I had to mail in identifying documents in order to request my credit bureau. I saw that you could upload copies of identifying documents online, so I went to the trouble of scanning and uploading these documents and got an error message back saying that these documents were not able to be uploaded. I then went to the Experian website and tried to sign up for their " Completely Free and Easy '' monitoring service and got an error message that there was an " internal error '' and that all my information had been deleted. You should n't be able to call yourself a credit reporting company and not be capable/willing to provide your consumers to information that is rightfully theirs. I could make a manual request through the mail, but this company should not be allowed to claim to offer free credit bureaus if it is unable to do so.

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 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: V and H Portfolio
State: FL

Complaint narrative:
My name is XXXX XXXX, and in 2008 I purchased a 2008 XXXX XXXX XXXX pickup truck. The company approved me for a loan to get the pickup ( the company is in Texas ). Yesterday, a collections company called me, and a very demanding woman told me to pay her a loan that I owe her for XXXX more [ XXXX ], I think its perfect I pay them that amount. [ XXXX ] Please, make them pay me the available credit of {$18000.00} more. [ XXXX ] If they engage in vandalism and steal from everybody, they should pay that loan that they stole from me in credit ... [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX Now that I paid off in full. But it is not being reported as so 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 explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Credit file Has not been updated to show this account 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 non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I was checking my credit report and found that there was a civil claim that does not belong to me. When I contacted Experian they said that I had to file a dispute which would take up to 30 days. I decided to back track and found that the debt belong to my dad ( we have the same name, he 's XXXX And I 'm XXXX XXXX. I called Experian and told them that I contacted the original company which is XXXX and when I gave XXXX my ssn # they was no account linked to me when I gave my fathers ssn # the debt was linked to him. Then I contacted the debt collector XXXX XXXX XXXX and gave them the same info my ssn # was not linked but my fathers was. When I contacted Experian they said I need to send them proof I told them that neither company would send me a letter stating this was not my account. I went to XXXX XXXX they said they could n't either as they have nothing to do with the credit. I contacted XXXX and XXXX and they also said there was no public record on their report. I have spoken with different people from Experian and I keep getting mis lead information. The first one said to dispute. Then another said the computer was down but if I had the ssn # to call back and they would be able to run it and if nothing shows up they could clear it, when I called back the other person said he did n't know why they said that cause they ca n't do that it has to be disputed. I do n't understand why Experian can not run my ssn # when I was able to trace it back to my father with my ssn # and have those companies tell me that they have no account with me. I do n't know why it 's difficult. Why ca n't Experian call the debt collector to get the right ssn # that it 's associated with as like I did. By having this on my report it 's messing everything up I have talked to the companies and I do n't know why Experian can not call them to see if the ssn # linked to this debt is not me. I do n't know how they can just go based off the name as I 'm sure there 's other people out there that have the same name like me and my father. It 's very frustrating just knowing it 's not me and they want proof and all I can provide them with is that I contacted the companies and they say it 's not me yet they can not do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested validity on a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you in hopes this will be either updated or deleted. 

The response I get from the CRA 's is that this info was validated through another system. 


Thanks in advance for your help! 
XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2016-07-29 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:
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 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 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX, previously XXXX XXXX XXXX XXXX owned our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house XX/XX/XXXX. Our bankruptcy was discharged in XX/XX/XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure in XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure in XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX XXXX XXXXXXXXXXXX there is also a Tax Lien that has been paid and is not showing Paid.

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 2015-08-27 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:
Some company posted a account on credit report that is not mines. They never even sent me a bill stating debt. But after i disputed they updated account and sent me attached letter.But company still has not provided me information on what the debt is. The letter does not even give me any type of ACCOUNT INFO. 

Account XXXX Bank XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ascension Point Recovery Services, LLC
State: ND

Complaint narrative:
I received a letter in XXXX Mail postmarked XXXX XXXX, 2016. This letter was addressed to the : '' The XXXX of XXXX XXXX. '' Please know that I am not deceased. I feel this is very abusive and unethical manner of trying to obtain information regarding any outstanding debts I may have. Another egregious point is they name their company Ascension Point as if it is some sort of religious or other sectarian organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has not removed an item in which I have advised is beyond the 7 year time period. XXXX erroneously is providing the first date of delinquency. It is not XXXX of 2009 in which XXXX is reporting. It is XXXX or XXXX of 2009 which this item would be deleted off my report. The payment made to comcast I was told in XXXX 2009 by my cousin was for previously owed bills. The remaining balance was for XXXX, XXXX and XXXX for a total of XXXX dollars making the first date of delinquency in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am a nurse and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered " damage '' I never received these pictures. They sent an itemized list of things they were charging me for, most of them were the routine make ready every apartment must do. One item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my " amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring, and it did have a few areas that were not perfect, but it appeared to be normal things that happen. Since I know I had their carpet completely covered, I knew I did not damage that, but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay, and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX, only a comment on my credit reports saying the claims were " verified '' I 'm not sure what " verified '' means, but it does not mean true or accurate.

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 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EXPERIAN HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS.

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 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian have my wrong name on it report.. my name is XXXX XXXX.. 
on Experian report are XXXX XXXX that is wrong last name. need to be fix now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief