vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 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:
This communication is in reference to Experian Credit Reporting Agency, in regards to mishandling of my credit report and allowing information to remain on my file. I have presented documents receive from data furnisher to Experian. They still have not deleted the information from my credit file according to Federal law ( FCRA ). I have sent several certified mail/ return receipt requested dispute to Experian. Recently, I even sent a dispute to the CEO of the company XXXX XXXX XXXX. I can not understand why the following accounts " XXXX # XXXX & XXXX XXXX XXXX # XXXX have been permanently deleted from Transunion and Equifax reports, but remains on Experian. Even after presented relevant documents and copies of other XXXX Credit Reporting Agencies showing deletion of the same accounts. I do not deserve to have misleading information continue to report on my credit file after presenting proof to Experian and know response to several certified mailings within the last 60 days or more. They have ignored my disputes and any/all documents pertaining to my query. Something seriously needs to be done about the American Credit Reporting System. Creditor 's and Credit Reporting Agencies have ben unfair to consumers for to long. Failure to comply with federal regulations by credit reporting agencies are investigated by the federal Trade Commission section 15 USC 41, et. seq..Please assist me in any way possible to get this matter resolve amicably. Thanks for your time and attention in regards to this urgent matter. I am trying to refinance my house, the bank do not want to see inaccurate information on my credit report. I am running out of time. I have be dealing with this issue for sometime now. These are the same companies that was on my other reports, Explain why Experian is still listing this account on my 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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 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:
There are XXXX inquiries on my report which I have never authorized and I have asked Experian to please review and remove them from the inquires off of my file. I never authorized XXXX XXXX XXXX, XXXX Bank, XXXX or XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since XXXX years ago. I have tried to contact Experian regarding these incorrect items and I have not received a response for my letter mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like Experian to do the right thing and remove them and investigate these companies that have accessed my account without my permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I went to freecreditreport.com on XXXX/XXXX/2015 to request a free credit report, and they fraudulently signed me up for a monthly service that costs over {$20.00} per month. I called them today ( XXXX/XXXX/2015 ) to tell them that I do n't want this service, or this monthly charge, and they refused to refund my money, saying that it was my fault. I want my money back! please help me resolve this dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04 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: NY

Complaint narrative:
I have not been able to obtain my credit report or score for over a month. The last time that I could access my credit report was XXXX/XXXX/2016. Since that time I have called everyday to try to get this corrected and I have not been helped. I have spoken to supervisors within the credit monitoring department and they have placed a total of XXXX tickets to have this resolved and keep promising me that it will be, however it never has been. I have been promised phone calls back countless times to tell me why I could not access my credit report and when it would be corrected, but not one person has called me back about this. When no one called me back I contacted the corporate office and was then promised a call back from them as well. I never received a call back not from anyone. I then contacted XXXX XXXX XXXX the Vice President of Information Services with Experian and requested that she call me back on two occasions, and she never called me back. I sent 5 emails to XXXX XXXX XXXX requesting that she call me back, but she has refused to call me back. I have been in contact with more that XXXX people at Experian and explained that I am not able to access my credit report since XXXX/XXXX/2016 and requested help from all of them and to date not one of them have assisted me and not one of them has even bothered to call me back. 
This presents breech of contract because I paid for a service that I ca n't use. I have also been provided this service as a part of a security breech at a company to help monitor my my credit because of the breech, and this service is not working so this is yet another breech of contract.

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 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian fail to investigate dipute items on credit report. there is a payment on accounts and it saids that account has been sold.

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 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have disputed the XXXX account on my Experian Credit Report about 5 times now, going all the way back to XXXX XXXX. Experian keeps reporting this account as being paid off and closed On XXXX XXXX. That is incorrect information. This last dispute I even faxed them the original payment receipt from XXXX XXXX XXXX XXXX XXXX XXXX It says this account was settled and closed on XXXX XXXX, XXXX. I have been trying to get this fixed for just about a year now. I either want this account to reflect the correct information saying that this was settled and closed on XXXX, XXXX or DELETE it! The XXXX XXXX # is XXXX. Because this has been getting reported wrong or because Experian is updating the disputes wrong, it has caused me to have a higher interest rate on a motorcycle that I have recently financed. Also we are trying to buy a house and we are going to have to go with a loan that has a higher interest rate and also a loan that we will need to carry pmi insurance. This needs to get corrected 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 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Upon reviewing my credit report I found that there are numerous transactions from Credit Agencies loan companies and utility companies that are not mine

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 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is refusing to investigate an account. They claim the account was verified in XX/XX/XXXX but according to my report, the account did not even begin reporting until XXXX. The dispute is in regards to child support that was reported as late but was not late. Child support enforcement misapplied payments to the wrong account but the account never went to collections like the Experian report claims. Child support enforcement states I must dispute with Experian to get the account corrected since it is a closed account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experain is reporting an collection account that is lowering my credit score however the balance is {$0.00} and needs to be removed from my file as there is no balance. 


XXXX XXXX XXXX XX/XX/2010 - - XXXX FL XXXX, FL 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 2015-05-25 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: MS

Complaint narrative:
I tried to access my credit report because I could not answer the security questions. XXXX was about a loan I never heard of and another about a new car that Ive never seen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 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 rented an apartment back in XXXX with a friend. I moved out of the apartment in XXXX. However, my friend stayed in the apartment. I went to the main office and requested my name to be removed from the lease, I was told that everything will be OK and my was would be removed. I later found out that my friend was behind on the rent and my name was still on the lease. Since I 've already moved out of the apartment and requested my name to be removed from the lease I am not entitled to this amount. I would like to get it removed from my credit score because it is affecting me. I am not able to get a loan for a mortgage, and buy a house for me and my family.

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 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.

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 2015-06-17 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:
A few months ago, a company called XXXX Collections added an incorrect collections account to my Experian credit report. Initially, I sent letters to both XXXX Collections and to Experian. Experian amended the item to say that it was disputed, but did not remove it. After a few attempts, XXXX Collections sent me a letter notifying me that the item would be removed from all of my credit reports. I sent a followup letter to Experian, certified with return receipt, saying that I was sending additional information to support the removal of this item from my credit report. I included a copy of the letter from XXXX Collections. 

Incredibly, instead of removing the item, Experian sent me the enclosed communication saying that " [ They ] received a suspicious request in the mail regarding XXXX my ] personal credit report and determined that it was not sent by [ me ]. '' The letter also says that they will not be initiating any disputed based on the " suspicious correspondence '' and that " Experian will apply this same policy to any future suspicious request that [ they ] receive regarding XXXX my ] personal credit information. " This is a serious problem, because some disputes ( such as faulty pseudonyms ) can *only* be handled by mail. Experian 's unilateral decision to ignore information that I provided - with my signature on XXXX the letter and a return receipt notice postmarked to the same address to which they sent the enclosed notice - presents an unprecedented breach of protocol. What further steps should I take to ensure that correspondence does not appear " suspicious ''? Get my letter notarized, perhaps? That will be next. 

I should add that Experian 's online dispute process has never worked for me - they have an authentication step that I can never complete, even though I know more about my life than they do - and they make it deliberately difficult to contact them on the phone. Now they have taken away the last known recourse available to me. 

Their letter includes a threatening allusion coordinating with law enforcement, but it seems to me that law enforcement should be investigating Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-31 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:
A letter was sent to Experian regarding XXXX and that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late. Another letter was sent regarding XXXX XXXX regarding incorrect information- lien placed on credit. The letters were not sent in my name and was not given an opportunity or notified to discuss account and amounts until a lien was place on credit. The report reflects XXXX, yet a very recent letter states XXXX for XXXX XXXX. I have been working very hard to keep credit in good standing. 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 2015-07-01 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: CA

Complaint narrative:
I have my credit report access blocked by experian for seven years. The company has denied access to my credit profile to credit inquiries over the last seven years. when i have submitted information requested by experian to resolve this matter i have had a catch XXXX response. experian denies that access to my credit file is blocked and when i applied for credit the reply received from XXXX is that Experian has blocked access. 

This rigamarole has continued for 7 years and Experian has been consistent on XXXX XXXXl that they have blocked access. 

I have started paying protection money to Experian in the hope that my problem will be addressed if I make ransom payments. Unfortunately even this effort failed because Experian still continues to deny access and block anyone seeking to access to my personal records. 

Without debating the extortion practises of Experian is there anyway assistance can be provided to help resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
CREDITORS HAS WROTE TO ME FOR THE REMOVAL OF INQUIRES AND EXPERIAN HAS NOT REMOVED THEM AND ITS BEEN OVER 30 DAYS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 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: NY

Complaint narrative:
can not contact experian, requesting a credit report online gets to an 'unknown error ' page, and asking me to send them a letter by US postal service - seems like they do not provide a service that works for what is available in 2016, artificial impediments.

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 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern : This is to let you know that EXPERIAN has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX & XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is PRIOR to XX/XX/XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( XXXX , XXXX XXXX Experian ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
EXPERIAN should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, Experian is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. Experian has failed to do so. Experian has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, Experian should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against Experian for FCRA violation and character defamation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to removed dated bankruptcy from 2008 off my credit report. The other XXXX credit bureaus have done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I obtained a credit report for myself from Experian. The report shows XXXX potentially negative items & XXXXaccounts in good standing. 

On the same day, using Experian website, I started a dispute to remove a comment on my XXXX accounts with XXXX XXXX XXXX. Those were closed mortgage accounts but with a " consumer dispute .... '' noted on the accounts. They were all good standing accounts but with JUST one late payment reported and of which I did not agree. 

On XXXX XXXX, 2015, Experian sent me an updated report # 1. On the report, XXXX of the XXXX XXXX XXXX account, is NOW showing 15 months of 30 days past due and 1 month of 60 month past due. I called Experian and talked to XXXX who told me he would look into the matter. 

On XXXX XXXX, 2015, I got updated report # 2 from Experian. The negative items with XXXX XXXX from report # 1 were gone. But a new 3 months of 30 days past due and an unknown item now reported with another XXXX XXXX XXXX account. 

On XXXX XXXX, 2015, I called Experian and talked to XXXX who did not seem to understand my concern of the matter. I requested to talk to her supervisor and was told that the supervisor was not available and would call me back within 72 hours of business day. 

With no further response from Experian, on XXXX XXXX, 2015 I sent the company a certified mail requesting correction on the mistakes. And on XXXX XXXX, 2015 Experian sent me an another report ( # XXXX ). But the report is not updated and still showing the same mistake. 

I believe that Experian is responsible for the mistake as everything was okay until I requested the company to remove a 'consumer dispute ' comment from the closed XXXX XXXX XXXX accounts. Then incorrect information on the XXXX XXXX accounts are starting to appear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation