vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-15 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: FL

Complaint narrative:
After several attempts to get my annual free report I was finally able to access the Experian url I received in the US mail that would offer the report. After entering their " secret special questions '' I was denied my report again and there was an option to send them money OR re-submit, again a request by mail. I want my free report.Is there anybody to enforce this?

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 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Report Number : XXXX On XXXX XXXX I pulled my Experian credit report from the annual credit report site and discovered I have a a unverified accounts from the following companies : XXXX XXXX XXXX # XXXX This account I have never done business with this company error please delete. 
XXXX XXXX XXXX # XXXX No record of this account never validated please delete. 
XXXX # XXXX Please Delete no record found. 
XXXX # XXXX The account not verified please delete. 
XXXX XXXX XXXX XXXX This account is a XXXX XXXX violation please delete. 
XXXX XXXX XXXX XXXX, # XXXX, # XXXX Thess accounts has never been verified error please delete. 
XXXX XXXX XXXX XXXX Never done busines with this company please delete. 
XXXX XXXX - XXXX XXXX {$2200.00}. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2015-08-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
Multiple offers for " pre-approved '' installment loan to assist with debt consolidation. Letters read : '' You 're Pre-Approved for a personal loan up to {$50000.00} '' Once personal information is entered on website, no offers given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 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:
I ordered credit report on XX/XX/XXXX through my creditchecktotal.com. I noticed account appearing though XXXX XXXX XXXX with $ XXXX balance, apparently this account been open since XX/XX/XXXX. This account appeared out of no where, I never opened that account and it only appeared on my report in XX/XX/XXXX. I send a dispute with Experian, they told me they were able to verify this information though XXXX XXXX. I contacted XXXX XXXX XXXX they said that I do n't have this account through them, and they said call Experian. I called Experian and lady was very rude with me and told me that she would not do any additional investigation and I need to call the bank, I called the bank was on the phone with them for 2 hours and they ca n't find this account. I tried calling her again but she was rude again and said ca n't help me. This account is only being report to Experian. Even if it was my account, this account is over 7 years old and should not be appearing on my credit report. 

I have attached my credit report please review : XXXX 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 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting XXXX accounts that are older than 7 years. I tried disputing these account with the CRA but they refuse to re-dispute my request saying they were disputed 3 years ago. 

The following accounts have been reporting for longer than 7 years and are no longer being reported by the other XXXX CRA only Experian is choosing to keep them on my file and further more damaging my credit file, career and future. These accounts were disputed with both XXXX/XXXX and are reporting back as unverified along with the company agreeing with me that they would no longer report these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDU 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 2016-08-27 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 list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be 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 explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : Experian, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, 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 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I opened a XXXX credit card account around in 2010 and I believe XXXX merited with XXXX XXXX. My XXXX MasterCard were paid in full and closed before I there were transferred to XXXX XXXX. At this time XXXX again Experian Credit Bureau is reporting my XXXX XXXX accounts with negative information. I reached out to XXXX XXXX and they stated that they will contact the reporting agencies again with the positive information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

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: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several items on my credit reports that have been disputed with Experian, XXXX, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others. The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request. I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3. XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4. XXXX- # XXXX 5. XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts, XXXX ) 6. XXXX- # XXXX 7. XXXX- # XXXX 8. XXXX- # XXXX 9. XXXX- # XXXX 10. XXXX- # XXXX 11. 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 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my Experian and XXXX credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and XXXX, sent both of those credit reporting agencies, copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment has never been filed. I need these items removed from my XXXX and XXXX credit reports, as they have been paid and satisfied.

Company public response: Company 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: CA

Complaint narrative:
after paying Experian a monthly fee to check my credit report and score, i found several items that needed attention and the most critical XXXX accounts in collections, and after talking to a customer service from experian i was told that if this collection accounts where paid and settle my credit score was going to increase greatly and that collection accounts where hurting my credit score, so immediately i stat working on getting this accounts out of my report : i was able to remove XXXX accounts and paid and settle the remaining XXXX, after paying the last accounts i contacted experian and email proof of the paid accounts ( correspondence emails bank statements etc, with the collection agencies ) and they did nothing to remove this accounts and increase my credit score, so i end up filing a complaint with this government agency CFPB, this complaint made experian angry and retaliated LOWERING my credit score from XXXX to XXXX!!!! instead of increasing my score for paid collection accounts my credit score was further damage, and i am here doing the right thing so i can buy a home but now it sims impossible i ca n't fight powerful XXXX, # 1 i sign up to monitor my credit # 2 experian is charging me to give me that information # 3 i did everything they suggested to HAVE better credit # 4 after paying the accounts in question they refuse to correct my report # 5 i file a complaint with CFPB # 6 in retaliation for filing a complaint they broke my legs lowering my score # 7 i am about to loose a real state purchase just got a few days left .... 
as you can see without someone to regulate this credit bureaus this king of abuse will keep happening now i am left with only XXXX option, contacting senator XXXX XXXX and XXXX XXXX, today XXXX/XXXX/2015 i talk to XXXX XXXX # XXXX and she told me to look for legal advice ( hire an attorney ) to represent me??? so i am confuse about the reason of CFPB existence, are they here only to hear people cries of agony ( really ) or are they here to tell the credit bureaus to stop abusing consumers and to really mean it. 
cc XXXX XXXX XXXX XXXX cc XXXX XXXX CFPB Director thanks for any help and i am here XXXX if you have any question 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 2015-12-19 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:
The website XXXX is broken. This is a well known problem and a total scandal. You should do something. This is a disgrace.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This matter has been going on for more than a year. I will call Experian request that a dispute be removed from my account an agent will remove the item but it reappears on my account. I contacted the collection company that Experian indicated that keeps reporting the item being disputed which the company is XXXX XXXX. I called XXXX inform them that I was not disputing anything regarding their company. I explained to the representative for XXXX XXXX that although the item that they are reporting was not mine and I responded to the letter that was sent several years ago that it was not my account. I would not be disputing the item. The item was removed by Experian but it reappeared. I contacted Experian requested that the dispute verbage be removed and it was removed but then reappear. This issue has been going on for over two years. I called in XXXX 2016 spoke with a representative again and was told that I will receive a letter stating that the dispute will be removed and the XXXX representative said that a request would be sent to the all credit reporting agencies to remove the dispute. I receive received that letter from XXXX XXXX as the representative stated. I received update credit reports from the credit reporting agencies but Experian refuses to update my credit report. I sent Experian a copy of the letter that XXXX XXXX sent to me and Experian still refuses to update my credit report. I called Experian told to several different agents and XXXX supervisors and all told me that they could not update my report even with the documentation form XXXX XXXX indicating that the item was not being disputed. I was informed that Experian did not have to report accurate information regarding the consumer credit file, and they would not be removing the XXXX XXXX dispute from my credit file even knowing that the item was not being disputed. I referenced the letter that I had from XXXX XXXX but the agents ( XXXX of them ) and XXXX-supervisors all said that they did not have to remove the dispute even having supporting documentation on file stating that the item was not being disputed. I was told several times that Experian did n't have to report that consumer information correctly.

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 2015-05-13 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:
Recently, credit reporting agencies refuse to deliver online versions of my free annual credit report. Instead, they insist on my mailing in a request. In fact, I can then receive the hard copy report by mail. However, I then need to scan the paper copy into my computer, in order to minimize my paper records. 
What must I do to get online versions of my free annual credit report? ( There are no telephone numbers available to me to allow me to speak with a knowledgeable representative at any credit agency to solve this problem. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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:
I have requested for Experian to remove the XXXX accounts. XXXX XXXX XXXX account number XXXX from XXXX and account number XXXX XXXX XXXX XXXX from XXXX. Both accounts are extremely old and I am within guidelines to ask for the old accounts to be removed from my Experian credit report. I have never paid on this account.

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 2016-10-03 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 Have disputed items with the creditor, after sending several letters to the creditor and never receiving any response from the creditor. They are in violation and have no verified or deleted the information. 
I have also disputed this same information with all XXXX bureaus and yes they have failed to investigate or remove these items. 
neither the creditor or the bureau have followed the FCRA and i want this information removed an I want an investigation against the bureaus and the creditors.

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 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX and XXXX have both removed the judgments from my credit report due to inaccurate reporting. I am asking that Experian do the same, as the judgments were never reported as satisfied under XXXX v. Equifax Information Services, LLC Civil Action No. XXXX and XXXX XXXX XXXX v. XXXX XXXX XXXX , Case No. XXXX, U.S. District Court, XXXX District of Virginia. Both credit reporting agencies have removed the judgments for reporting them inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

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 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has been reporting and continues to report Account XXXX with XXXX XXXX XXXX as an open collections account even though this has been paid in full and should be removed from default status. I have disputed this fact on numerous occasions with Equifax and they have " verified '' information as accurate. I have attached a letter from XXXX XXXX XXXX on their letterhead stating the paid in full balance, removal from default status, closure of account, and statement dates. Equifax is reporting false information though we have provided facts to support our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Issue - spoke with a salesperson to understand their credit monitoring services. Hung up, did more research and signed up online. When specific feature I was promised was not available, I called Equifax back. They indicated I needed to signup for a more expensive service to get the feature I wanted. I agreed, then Equifax ' system went down and they could not upgrade me. I asked to speak to a supervisor. I spoke with supervisor on my signup challenges and in the discussion found out Equifax solution did not have the specific feature I wanted. Supervisor agreed to give me a refund. Never received refund. Called back and was told that my credit had been rejected because I signed up on line. If I had signed up by talking to a salesperson they could have processed my credit. In other words they do not stand behind their product or salesforce or they are calling me a liar. Hard to understand how a credit bureau who reports on others integrity does n't have the integrity to stand behind their sales team - and by the way I had the salesperson 's name.

Company response to consumer: Closed with explanation