vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: 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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian 's XXXX., He said his name was, said that because of the different formulas they use I will get a different score depending on which formula they use. I said that is not my dispute. I said my dispute is the fact that I consistently get between XXXX and XXXX scores from different reports. But when the bank applied, They got XXXX from Experian. I think it is misleading and false reporting for them to lead me into thinking I had an XXXX score or above, and not being able to the score before the bank got it and denied my loan. 
This shows that with too many different modes of reporting, we can not address issues. It is unfair. We are getting blindsided by fax facts that we never knew existed. We should know what are true Credit score is otherwise we are just living in fantasy world. Until we get the score in have to battle back wasting time and effort applying to another bank for a loan because the first one was ruined by a bad credit score that blindsided us.

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 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX XXXX XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
ex-niece with same name but differint birth dates and age and address getting bad credit score for her and her husband XXXX XXXX and XXXX other XXXX XXXX credit companys need to check birth dates, and social security cards more closely instead of running others credit so they ca n't get housing, car, insurance rate is higher ect. ex nephew went to jail jumped bail bound I get subponea to court when it had nothing to do with me and is on my credit report, credit cards, apt XXXX damage ect on my credit report because of them!!!!!!!!!!! Please check birth date and SSI #!!!!!!!!!!!!!!!! I 'm XXXX Not in my XXXX And not in my XXXX Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I really need your help because at this point I do n't know where to turn. I opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove 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 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
As of XXXX XXXX, 2016, FICO lists my credit score as over XXXX, but today, XXXX XXXX, Experian lists my score at XXXX which is not correct. I have an excellence payment record for years now, but I can not understand this problem with Experian and am making a formal complaint about it. The score should be more in line with the FICO score.

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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Experian. So the debt was paid in full. But Experian still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as 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 explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and 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 2015-05-07 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:
This complaint is being filed because I have tried to reach out to experian telephonically and have been unable to get through to a live person. On XXXX XXXX I sent Experian a copy of my police report because I have been a victim of identity theft. In the cover page I included a list of the fraud accounts including the XXXX account # XXXX. For some reason all of the other accounts were removed but this one was not included. I have tried to reach by phone but can not get through to a representative to make them aware of this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have XXXX charge off 's I have disputed with both Experian and XXXX and they say they are verified but the XXXX companies have yet to verify it to me. XXXX did an investigation and deleted them both. XXXX is XXXX XXXX Charge off XXXX XXXX, XXXX & XXXX Charge off XXXX XXXX, XXXX. I have no idea what either of them are. I 'm pretty sure they are changing the dates to keep them on the report. It now says last updated XXXX XXXX, XXXX since I filed a dispute. prior to that it showed XXXX date opened. balance XXXX/XXXX/XXXX. They need to be deleted they are not mine. XXXX XXXX has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. XXXX XXXX continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
this is not mineAccount nameXXXX XXXXAccount numberXXXX .... 
Recent balance {$0.00} as of XX/XX/XXXXXXXX openedXXXXXX/XX/XXXXStatusForeclosed. 
In dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXAddress identification numberXXXXTypeMortgageTerms2 YearsOn record untilXX/XX/XXXX XX/XX/XXXXCredit limit or original amount $ XXXXHigh balance $ 0Monthly payment $ 0Recent payment amount $ 0Date of statusXX/XX/XXXXXX/XX/XXXXFirst reportedXX/XX/XXXXXX/XX/XXXXResponsibilityIndividualReinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I attempted to get a credit report for my mother, and I believed that the cost would only be {$1.00}, as advertised on their website. Instead, they added me to a monthly membership that cost me {$22.00} per month for several months. I contacted Experian about a refund, but they said that all sales were nonrefundable. I wish Experian would be forthright with their advertising and explicit about the fact that receiving their credit report will enter me into a membership program.

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 2016-02-08 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:
Experian and XXXX. 

Fail to provide complete Verifiable documentation of accounts reported onto my personal credit files contacted the company 's requesting proof of claim requested removal of unsubstantiated information over last 6 to 8 months. 
Experian- XXXX- XXXX # XXXX / XXXX -Acc # XXXX XXXX XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX XXXX XXXX -Acc # : XXXX USPS Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Sent request to the original creditor No Response.

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

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provided 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 those 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 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report has information that is not mine. Social Security number ending in XXXX is not mine nor my Spouse 's Social Security number. My wife 's Social Security ends with XXXX, her name is XXXX XXXX, NOT XXXX. My wife 's D.O.B. is XX/XX/XXXX. We were married on XX/XX/XXXX. 

Also, we never resided at XXXX XXXX XXXX, XXXX, FL XXXXXXXXPlease remove " XXXX '' and her Social Security number ending in XXXX from my credit report. Please input my wife as XXXX and her last XXXX number of her Social Security # as XXXX. Please remove XXXX XXXX XXXX XXXX, FL as an address of mine. I never resided there. 

Please contact me directly should you have any questions at:XXXX, FL XXXX-XXXXThank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I disputed an account on my experian credit report many times and it keeps coming back verified. the account is with XXXX XXXX ( ending in XXXX ) i sent a disput in febuary XXXX and it came back verifid. i wrote a letter to XXXX XXXX in XXXX XXXX asking for a copy of the chargeoff, lates anything pertaining to this acount.and if they can not verify then they must delete the tradeline from the credit bureaus- they sent back a reply to me they do not have any info on me cause they sold it, i then made copies and of the XXXX letters and wrote a letter to experian on XXXX XXXX XXXX asking them to remove this account because kays could not verify it. they sent me back on XXXX XXXX XXXX a credit report stating they updated my report- what they did was update my date of status to XXXX XXXX which made it look like it was a recent chargeoff and put in payment history XXXX XXXX chargeoff which made my score go down, theres no date of last activity on my report either, so i called them at the special handling dept and asked how did they verifiy when in the letter to me from XXXX XXXX they had no information on the charge off or late status then i was told by XXXX that XXXX XXXX informed them they did indeed sold it but leave it on my credit report, then i tried again to dispute it and it came back verified AGAIN. sent a letter to experian and of course verified again, then i called them on XXXX XXXX and just recent XXXX XXXX i asked them WHY they keep saying verified when they are the ones who told me if i get a response to send a copy of it to them WHICH i did and i asked how they verified they said electronic. I WANT THIS ACCOUNT OFF MY CREDIT REPORT ASAP.

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 2016-03-27 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 requested my annual report but they seem like they comply.I have this problem every year.

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 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report.XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: NJ

Complaint narrative:
My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is displaying the creditor XXXX 4 times for the same XXXX account on my credit report pages XXXX and XXXX. This account is a fraudulent account that belongs to XXXX XXXX, not XXXX XXXX in which XXXX has admitted this is her account I never knew anything in regards to the account in which I attached a letter from XXXX XXXX. It is fraudulent credit reporting for XXXX and Experian to report the same XXXX account XXXX times on a credit report. I want the accounts removed immediately. Experian has refused to remove. It is not removed this time around, I have no choice but to seek legal representation as I have exhausted all options. Also, they are writing comments on my credit reports in which I want them 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 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN WILL NOT STOP ISSUING FRAUD ALERTS AND SECURITY ALERTS. I HAVE HAD TO CALL ALL XXXX AGENCIES AS WELL AS SMALLER ONES TO GET THIS CORRECTED BEFORE MY CREDIT EVEN GETS A CHANCE TO RECOVER FROM THEM THEY ISSUE ANOTHER AND ANOTHER- I DO NOT KNOW WHAT TO DO ANYMORE- I HAVE CONTACTED CORPORATE EXPERIAN I AM DISPUTING YOU! YOU ARE ISSUING FRAUD ALERTS OVER AND OVER ISPOKE WITH XXXX FROM EXPERIAN AND WAS ASSURED ALL WAS OK- NOW I HAVE XXXX TELLING ME YOU ISSUED A FRAUD ALERT AGAIN AND SO NOW THEY ARE TOO- DO YOU SEE THE VICIOUS CIRCLE YOU HAVE ME IN? SHE CALLED FROM XXXX AND AT XXXX THROUGH THE XXXX NUMBER I WAS LEFT A MESSAGE AND SHE HELPED ME HOWEVER I HAD TO SEND COMPLAINTS TO MANY MANY INDIVIDUALS BEFORE SHE CALLED. SHE HELPED AND BEFORE IT COULD CLEAR FROM CREDITORS SEEING IT THEY ISSUE ANOTHER XXXX. THIS HAS GOT TO STOP!

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 2016-09-02 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 of XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution. This is on my experian credit report file.

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 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a collection removed in XXXX 2015 and now it is

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 2015-12-08 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: IL

Complaint narrative:
Filled out the form and mailed it to XXXX, GA. I had asked for all XXXX reports. Experian balks and refuses to supply a report. They ask for additional data. They need a copy of a bank statement, a copy of a State issued ID, a copy of a utility bill and addresses for the last two years. XXXX did send me my report. I have been receiving credit reports for the last fifteen years w/o a problem. I ask them for data and they respond by asking for data??

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