vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 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:
I am in the process of disputing several inaccurate items on my credit report which has taken several months to resolve. While attempting to access my report via Experian, I have been denied access to my records. This is highly frustrating and the website informs me that I now need to buy a report from them. I am not interested in spending money to correct errors and omissions on my report just to benefit Experian 's profits. I have tried several times over the course of a couple weeks to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I moved into XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2013, with the rent of XXXX a month. My income begin to change and advise the property management XXXX XXXX XXXX of this. I advised that i would need to find a way to work out paying my rent each month, this was 4 mths after moving into the home. They did not want to work out a deal money wise and took advantage of my financial shortcomings and charged me {$2900.00} in late-fees, placed an eviction behind my name that was thrown out by the court, and also was had me placed with a property manager XXXX XXXX that was very mean displayed racism to me every-time i called. an spoke to XXXX XXXX who advised me that as long as someone moved into the home after me and took over the lease i would not be responsible for the rent. I moved out in XXXX and another couple took over the lease the next month. They were not only staying in the home the month of XXXX 2013, but they also were using my gas service ( XXXX ) and i was unaware until i receive a {$600.00} bill. I should only be responsible for 1 months rent and partial amount of latefees, as these late-fees are very prosperous. I was also charged with cleaning the home, and the home was clean, and their was nothing broken because i made sure to clean and spot check the home. I feel that in part this remainder debt {$5800.00} debt belongs to the people that leased this home to after me and destroyed their property. I also have eviction on my name that is false, they served a eviction in XXXX, and lost the eviction in court due to illegal eviction, could not prove case and payment was made and accepted. The home owner was charged {$250.00} for not showing up in court and providing evidence for claim, which he tried to make me pay and have also listed it on this fee sheet {$100.00}. I wish for this to be removed from my name as this is an illegal eviction. I was not evicted i moved out of the property due to financial difficulties and was allowed to do this by XXXX XXXX owner of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Creditor reported deragatory history on a debt that was discharged in CHXXXX bankruptcy 6 months after debt was discharged. CRA 's will not remove negative history they only updated it to show Bk. Any debt collection AFTER CHXXXX Bankruptcy and or negative collection comments must be removed. These actions are in direct Violation of the Automatic Stay per US Bankruptcy code.

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 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My husband and I and also our roommate got charged falsely for apartment charges. It then went to collection. This particular Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX was falsely charging multiple renters and now is under new management. I have a letter stating we do not owe anything. Please remove from all XXXX bureaus for all XXXX of us. 


Also, I have a second thing. I have something from a collection agency for XXXX XXXX who is trying to get paid twice. XXXX XXXX has been paid by themselves. Therefore, I do not owe them and that collection agency is still harassing me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has XXXX on my credit report twice though it is the same account. The account was never mine and belong to my daughter XXXX XXXX, in which she has admitted to XXXX so baffle why Experian still has it reporting on my credit report. I have attached a notarized letter informing XXXX that this is her debt. I am again requesting for the fraudulent accounts to be immediately removed. I have submitted an incident report number for the XXXX XXXX XXXX Police Department previously. Also, I have sent a copy of my signature.

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 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent XXXX certified letters to Experian over the past 90 days asking them to supply proof that the items being reported are legitimately mine. They have failed to provide me any information proving the debts are mine. According to the Fair Credit Reporting Act they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They must under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The following tradelines being reported that must be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me with Experian. This negative information is affecting me personally and very damaging. I can pursue legally but trying to avoid this route. Please provide assistance. Thank you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: MI

Complaint narrative:
Statebridge LLC has recently sold my loan with errors. My account payments are due on the XXXX of each month, my loan agreement includes a 10 day grace period. Statebridge has practiced that if my loan payment is not paid by the XXXX, I am automatically charged a late fee and the late submission is then added to my credit report. This company was a hassle to deal with ; as not a month did n't go by that Statebridge had something wrong on my invoice. I review my statements diligently due to their illegal practices and poor customer service. 
In XXXX XXXX, I went through all my data and rebuffed all of Statebridge late submissions to the credit union, they were removed due to proof of payment submission. 
On XXXX XXXX a money order was sent on XXXX XXXX and cashed on XXXX XXXX by Statebridge. I received another late fee and late payment on my credit report. 
I have contacted them 2 by email and had left 3 voice messages between XXXX and XXXX. The late information was sent to the new lender and I have not heard back from Statebridge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
So Experian fixed the account I have been trying to get them to fix for years. YEAH! But in the process they took several account that I had with XXXX and posted them all as discharged in BK Chapter XXXX. 
These accounts where paid off long before I even filed for Bankruptcy. How if they " verified '' the information, could they have possibly been informed by XXXX that they were discharged? One of them was paid in full a whole 8 years before I even filed for BK! I suggest Experian actually investigate this matter. They are in so many violations of the FDCPA I do n't know if I should laugh or cry!

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 2016-01-18 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a loan through speedy cash in the amount of XXXX. I set up the loan with them with a specific bank account. I defaulted on my loan due to not having a job. However, I called to set up payment arrangements and speedy cash told me my account has went over to a third party collection agency. They also provided me with XXXX. I never provided them with my debit card from XXXX XXXX information. However, recently a transaction has been charged to my account in the amount of XXXX that I did not authorize. I called to speak with both speedy cash and ad XXXX and both had been blaming each other for this transaction. I spoke with at least XXXX different agents to get clarity on how they were able to access my account that I did n't not provide them with. Speedy cash stated they had this information on file from a previous loan I had through them and retained the information. I told them to no longer charge my card and any payment I make.. It would be made through money order or through XXXX of their local stores. My card was still charged without my consent.

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 — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX and XXXX acct # XXXX, XXXX has removed all XXXX but Experian left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Experian letting them know that the other credit bureaus removed it and they sent a letter back stating there information ca n't be based on what another reporting agency has. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX, the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn, and the XXXX acct # XXXX has been paid in full and I sent a copy of the paid in full letter showing that.

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 2016-11-09 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:
I have contacted Experian regarding report # XXXX. Experian has removed all of the unauthorized inquiries except for XXXX : XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16, & XXXX XXXX XXXX XXXX/XXXX/16. 
Secondly the following account is not accurate : XXXX XXXX account # XXXX. In the comments section it states : Debt being paid through insurance. This item remained unchanged from our processing of your dispute in XXXX 2016. 
# 1 this XXXX XXXX account as I advised Experian should not be listed on my credit report. I only have an account with XXXX. XXXX, formerly known as XXXX XXXX. However, all of my Navient accounts are in good standing. The XXXX account listed on my credit report ( s ) includes this same account that is listed separately as a negative unpaid account. This is not true. This is not accurate. # 2 XXXX account # XXXX is listed on my credit report. I contacted Experian about this company as well. I do not have an account with XXXX, I only have an account with XXXX. And my XXXX account shows that. The annoying thing about this is that XXXX conducted an investigation and corrected this issue. Yet it remains on my Experian ... This makes no sense at all.

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 2016-10-31 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: FL

Complaint narrative:
I have disputed several reports on my Experian credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
/I requested a 7 day trial period for {$1.00} and sent in a termination request within 1 day and they a/re charging me for a service I do not want nor have used. Return my {$21.00} charged on XXXX/XXXX/16 to my credit card. That was my kids lunch monies 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 monetary relief
Consumer complaint received 2015-08-18 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 applied for a credit card for XXXX with XXXX Bank Creditor, I got my denial letter stating my credit score was low of XXXX from Experian at XXXX Experian XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. However, I went to Experian to obtain my credit score and it states XXXX. I check my credit score regularly and it has not been that low. I have called XXXX Bank and they told me to dispute with Experian because that is where they got the information, so when I called Experian they told me I needed to call back to the bank to figure out " what model they used to pull the credit score? '' He would n't let me make a dispute or speak with a superior and kept telling me to call back to the bank. So I called back to XXXX bank and they told me they do not give out those information nor can find out how to find that out. I need to find out where they obtained this credit score because it has denied me a credit card and also affect my credit inquire.

Company public response: Company chooses not to provide a public response
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 — Public record
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XX/XX/2014 and paid in XX/XX/2014. It 's being reported on my Experian and XXXX report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 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: VA

Complaint narrative:
Developers of credit scoring models review a set of consumers. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable. However Experian will once per month automatically update your Credit Score. Nevertheless since XXXX XXXX, 2016 was the most current update ; noticed that Experian more quickly reflects a decrease in credit score ; but display a longer delay if making an update if your credit improves. Their reporting pattern demonstrates a favor to report Negative information towards the consumers. Businesses pay that a Credit Reporting Agency reflect negative information to collect debt. Their Credit Score reporting patterns have the inferences of discriminatory practices towards who they consider " BAD '' or " POOR '' credit risk consumers.

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 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
One tax lien is incorrect and reporting with Experian, I have searched my name under Georgia Department of Revenue site under delienquent taxes and results list " no date found '' ( screen shot attached ), at the following Georgia State Department of Revenue 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 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have disputed a few items with Experian and they were removed off my credit but now the companies have some how added it back on my credit file. Due to there neglect, they should not be allowed to add these back as the company has not responded to them in time. I also had a dispute with the CFPB that was resutled in my favor and the file was not removed and there is documentation that they were removing the tradeline from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 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 went through annualcreditreport.com and was only able to gain access to XXXX. Experian and XXXX did not provide reports. Both times connecting timed-out and then said I 'd have to try back in 12 months.

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 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
Regarding : Cornerstone Home Lending XXXX XXXX XXXX, NJ XXXXWebsite : XXXX Account Overcharge : Cornerstone Home Lending is the servicer of my home loan. I made my XXXX payment on my new construction home in XX/XX/2014. My local bank sold my loan to Cornerstone soon after I closed on my loan. In XXXX, The XXXX County, TX Appraisal district Chief Appraiser came to my home, measured it and gave me an estimated tax amount. In XXXX of XX/XX/2014, Cornerstone paid my taxes of {$2400.00}. Since I had been paying an " estimated '' amount of {$500.00} / month since my XXXX payment, Cornerstone sent me a check for the overage in my escrow account of {$2400.00}. They still kept 2 months worth of escrow for a " cushion '' which I know is acceptable by law. But, Cornerstone DID NOT ADJUST the taxes part of my escrow. Cornerstone claims to have done an " Analysis '', but that is not true. Cornerstone never contacted anyone at the tax office. I have been calling and requesting this to be corrected since XXXX XX/XX/2014. I have been in person to the Tax Appraisal District in XXXX XXXX, TX and verified my total land/property taxes. I have sent the documents from the tax office, with tax office phone numbers and contact info. to prove to Cornerstone they are in error. I have faxed these documents approx XXXX times. I only received an email recently after all this that said, " the tax documents you sent were for land only, and when my house is added the taxes will go up ''. This is foolishness. The value of the home is clearly shown on the document, along with the homestead exemption value. I have requested that Cornerstone correct my escrow payment amount and refund my current overage Immediately.My taxes and Hazard Insurance = {$2400.00} + XXXX = {$3500.00} /12 mos = $ XXXX month. I am paying {$500.00} /month for no apparent reason. Can you please help? 
thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Verify inaccuracies on account or delete account from report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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 non-monetary relief