vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I pulled a credit report for personal verification. I disputed some inaccuracies. All were resolved except XXXX regarding XXXX XXXX XXXX. The account was opened in XXXX with 72 month term. My report at the time noted the account closed WITHOUT a reposession on it. I had a repossession on XXXX XXXX with this account. 
I requested this report/debtor be removed from my report as the account and reporting was over 7 years old. The response I received back after this dispute, on XXXX/XXXX/XXXX from Experian, was a notation of a repossession being made on XXXX XXXX. I immediately called them and disputed this information as being completely inaccurate. I requested it be updated and preferably the entire debt removed from my report. I contacted Loss/prevention at XXXX XXXX XXXX. The representative ( XXXX ) advised me that they have not reported on this account since XXXX and no notes are shown of them responding to the original dispute. She sent me a letter with the correct dates ( XXXX ) of the repossession and a notation that they are not even reporting this issue with the credit bureaus. I forwarded this letter to Experian. I received a response back on XXXX/XXXX/XXXX with no changes to this report. 

Experian is not performing their due diligence in accurately reporting this debt. They are not responding appropriately to documentation sent to them. Furthermore, they are disregarding federal law by noting inaccurate New information on a debt that is over 7 years old. 

I would prefer to have this debt completely removed from my report. If this is unacceptable or unobtainable at this time, at a minimum, I want the report to accurately reflect the correct date/time of the repossession.

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 2016-02-17 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: TX

Complaint narrative:
Had to put alerts on my credit reports now I can not access Experian and can not reach them by phone to find out why their report is not showing up. I have called their number and there is no option to speak so anyhone, it is all automat4ed and the option I needs I not there. I am trying to possibly refinance with lower interest rate but need access to all XXXX credit reporting agencies for this company to see if I qualify for a particular type loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm making a complaint against Experian for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA . In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

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 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: CT

Complaint narrative:
On XXXX/XXXX/15 we submitted a complaint against Statebridge Company for violating the rules pertaining to prompt-payment crediting to a consumers account. In response to that complaint Case # XXXX Statebridge submitted a fraudulent document to the CFPB. This document is unsigned and has never been seen by or sent to XXXX XXXX XXXX XXXX This alleged " Modification Agreement '' is a fraudulent document and was invented and produced for the purposes to mislead the CFPB in their investigation. We believe the there should be a criminal investigation in regards to this submission of this fraudulent document. If this document is authentic Statebridge should produce a signed copy showing XXXX XXXX signature on this document. 

CFPB PLEASE SEE EXHIBITS FAXED DOCS FAXED TO XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have an unauthorized and unjustified hard inquiry on my Experian credit report from XXXX XXXX XXXX. Experian has told me I can contact XXXX XXXX XXXX to request it be removed but XXXX XXXX XXXX is no longer in business so I am out of options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
In XXXX XXXX we did a refinance loan on our home with Freedom Mtg during the process we received a refund check from them on our Escrow Acct on XXXX/XXXX/XXXX in the amount of {$810.00}. Then on XXXX/XXXX/XXXX we received another refund check for escrow for the same amount. Then on XXXX/XXXX/XXXX Freedom Mtg, put a " REFER TO MAKER '' on the first check dated XXXX/XXXX/XXXX which in turned cause me NSFees with my XXXX XXXX XXXX account. Then on XXXX/XXXX/XXXX I went and spoke to the local manager at XXXX and they called Freedom Mtg and spoke to XXXX and said that I needed to request refund back from them. 
Long story store and many voice memo 's later out of {$450.00} they sent me a check in the amount of {$220.00} on XXXX XXXX, XXXX almost 4 1/2 months later. 
I want the balance of what is owed to me plus pain and suffering from being told one thing after another. 
This is also caused us problems with the new mtg company XXXX XXXX because of not getting this handled in a timely manner and as caused our current loan to fall behind. 
All of this 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 2017-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient from the start mis-informed, diverted and ultimately destroyed my credit because of thier lack of guidance and/or help when it came to my loans coming out of forberence. I was XXXX on SSI with XXXX children trying to find a new job after graduation and my loans were coming out of forberence. I tried contacting Navient to get information about reducing my payments through consolidation or other options that would keep me from defaulting on my current loans. They told me my options were very limited and that I could only apply for a hardship, which I did. Nothing ever came of it and my loans went into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX XXXX, I negotiated a full settlement of my credit card account with XXXX Bank XXXX for less than the full balance. XXXX informed me and confirmed in writing that my credit report would show no delinquency, but would only state, " Legally paid in full for less than total balance ''. In XXXX, I received my credit report and the XXXX credit card was shown as a delinquency. I called XXXX and they removed this inaccurate information. Nevertheless, in XXXX XXXX, I received a new copy of my credit report and XXXX again showed up as a " Negative '' account and showed a delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
Have a loan with Springleaf Financial. When loan was taken out, we were told to pay for 1yr on time and we could come back for the extra XXXX we originally asked for as we were cleaning up our credit. When that year was up, we did ask for that increase and even though my credit score had NOT CHANGED, nor had any other info really changed, I was told they are " looking at it differently and could not do the increase ''. At that time, given that they had said there would be no issue, I had made arrangements to pay off two cards one of my children left a balance on and so could not pay both those and the Springleaf. I asked for deferrment of one month of payment. Was NEVER told in writing or otherwise that there was anything else we needed to do until 3 wks later when payment was already very late. At that time, given how I was spoken to my wife contacted the corporate office of Springleaf to help get resolution. The issue was we felt this was a bait and switch situation AND the fact the manager would not let us get a call from her supervisor. Something fishy going on. Too many different things being told to us. I faxed a ton of paperwork to XXXX XXXX at the corporate office. The biggest issue now is that this company is showing us to have missed TWO PAYMENTS. One should have been defferred as they promised via email and phone and the second was actually waiting to hear back from corp office AND get the correct account number as that had changed. This is not ok and this company should not be allowed to incorrectly report this account. They are not telling the entire story which involves ME WAITING ON THEIR CALLBACK!! This account should not show a late payment at all. Plus - how the change they way they score never made sense and feels very shady. We have proven that our scores never changed. That is what the said things were based off until we asked for what they promised. I want this account to reflect the TRUTH and not late payments. We were working with them to resolve issue AND had to wait on THEM to give account number when it changed. SHOULD NOT SHOE LATE!! Please help us get the reporting accurate as this is impacting my credit. If needed I can supply names and number of person at corporate office we dealt with. This is such a bait and switch thing and it is not ok to mess up credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 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: CA

Complaint narrative:
On XXXX/XXXX/15, I signed up for a 7-day trial period for Experian 's Credit Tracker. On that same day, I was able to see my FICO score. However, I was not able to print my credit report. Three days later, I once again attempted to print my credit report, but was unable to do so. At this point, I contacted Experian 's customer service department - I spent over XXXX minutes on the telephone with the analyst, and was still unable to print out my credit report. The analyst told me that they had not seen this issue previously, and submitted a ticket to investigate the problem. She provided me with a confirmation # XXXX for this issue, and told me to wait two or three days and then attempt to print out my report. On the evening of XXXX XXXX, I tried once again to print out my report, but was not able to do so. The problem had not been resolved. Then on XXXX XXXX, I sent an email to Experian requesting that they cancel my membership due to the fact that I was not able to access the printable credit report. However, on XXXX XXXX, Experian charged me {$21.00} for the XXXX month of service - when I called Experian that same day, they refused to reverse this {$21.00} charge, even though I told them that I was not able to access the printable credit report. I told them they, in my opinion, they were committing fraud by charging me for a service which I was not able to fully access. Nevertheless, they refused to reverse the {$21.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I would like for inaccurate person information be moved from my report. I would like for my report to be updated with the correct information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has again sent misleading and false results, citing items I never disputed and disallowing me from viewing my report on line. They have XXXX Fraudulent Inquires that I have sent XXXX LAW ENFORCEMENT REPORTS IN, with respect to XXXX, XXXX, XXXX They refuse to comply with the law, and thus deny me access to my report and ability to dispute items. They have an address listed I do not reside, ironically an inquiry listed at such address. They are purposely doing this in contravene to the FCRA. This is tantamount to fraud

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

Complaint narrative:
I have repeatedly requested Experian Consumer Assistance to remove a " XXXX XXXX '' who social security is quick different my my own, which is constantly hindering my credit approach to a better life. XXXX and XXXX got it right, still Experian has failed to correct the problem. See attached 8 page credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I got an online credit report from Experian, and saw that there is XXXX on the name lists is not my name, it 's my middle name and first name but I 'm sure I never use just XXXX of them before, I always use my short name : XXXX XXXX or XXXX XXXX XXXX XXXX for full name, sometimes XXXX XXXX XXXX but never use XXXX XXXX, so it 's not belong to me but the name is in my credit report? 
On the other hand, there is XXXX address I never see before in my address list which is in some below lists showed up that address tried to apply to credit by my name and information, i never live in XXXX, the only State I have been living is XXXX and only XXXX. This is totally looks pretty weird to me who never transfer out of XXXX XXXX. Please help me double check my name and address information. 
Thank you, 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 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX The following account does not belong to me, and this is stopping me from getting a job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The name XXXX XXXX has been on my credit report for a long time and needs to be removed. I do n't know this name and have never used it. thanks!

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 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I had my son in a daycare called the XXXX XXXX, I am currently going thru adivorce. My ex husband who lives in XXXX while I live in the state of XXXX tried togo to the day care and get my son and attempted to take him, out ofthe country. I was alerted got, the law involved and my attorneys I was told notto have my son out of my eye sight. I had to move, etc. I gave the day care averbal notice and I called them to confirm my child would not be in due to whathappened. Then I was contacted by a credit agency telling me they reportedme to their agency. I let the agency know that I was disputing the charges, as Ihad a safety concern to protect my child. A notice was given to the company, and they had children on the waiting list that took my child 's spot right away, not keeping them from making money or losing money due to taking mychild out of the center. 

When I called and let them know that my child was not going to be going backto the center, I was not told I would be responsible for anything else, as I hadpaid in full. As I had always paid XXXX weeks at a time. 

This {$340.00} dispute that is showing on my Credit Report needs to be taken offas it is not like me to not pay a payment. And a notice was given to thedaycare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I went onto the Experian website and authorized a {$1.00} payment for my annual credit report. I was unaware that I had agreed to sign up for account monitoring until I saw a monthly charge of {$21.00} on my checking account. I did not authorize this charge and have since gone online and cancelled this account they tricked me into opening but they refuse to refund my {$21.00}. This is highly unethical especially considering they are a credit reporting company.

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 monetary relief