vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted notarized letters on XXXX XXXX, 2016 and on XXXX XXXX, 2016 in regards to XXXX bankruptcy XXXX. As of XXXX XXXX, 2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.

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 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX obtained a copy of your EXPERIAN Credit Report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted XXXX via phone, letter, and contacting Experian requesting to provide me the physical evidence ( documentation ) that confirms I authorized XXXX to run my credit with Experian 2 times. Both parties have failed to respond to my request. Copy of the letters can and will be submitted upon 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 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Checked my credit report after filing complaint with CFPB on XXXX. Was finally able to get access to the dispute forms and the XXXX XXXX account scheduled for deletion XX/XX/XXXX2017 was still on record. After already registering with my report number, name and social security and placing the dispute in the " dispute cart '', when I attempted to upload as instructed, I was taken to another form which requested the same ( and more ) information which was already a matter of record in order to get access to the report in the first place. Screenshots attached. Designed to discourage?

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 2016-07-15 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:
I first disputed these inaccuracies which came from identity theft since 2014. Ive been going back and forth with experian for years about these same accounts. I sent my police report from the XXXX Police Dept. they refuse to adhere to my complaints. Experian refuses to follow the laws that govern credit reporting agencies. Im a victim of identity theft and I cant understand how or why Experian wont follow the law. I also filed this same complaint to the XXXX because they are illegally breaking the law by not accurately reporting on my personal credit report.

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 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing incorrect information on my Experian XXXX XXXX XXXX credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. XXXX creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I will have to send to you my experian report no XXXX and XXXX. 
My problem is ongoing for over 20 years i am being denied credit. 
Someone is filing old stuff back on and back dateing informationone is XXXX XXXX bank XXXX wirelessother inquires and bankrupcy filing that are dismissednot reporting or removed. 
mostly old stuff also XXXX is reporting a small loan for {$60.00} which has been disputed. 

I want the agentcies to give me a clean slate this is not fair Im trying to re start newcredit and also using my score to be low. 

If they dont stop I feel that I may have to file a XXXX action against all parties. 
I would like to get this removed for good and they are old. 

I will gather more reports when i get them. 

Sincerely yours, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I disputed a business account that is reporting inaccurately on my personal credit profile, I have not been provided with any documentation that supports the credit reporting agency 's or the credit furnishers investigation process or any information the might have reviewed to make the decisions they have regarding 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 2015-05-15 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: CO

Complaint narrative:
I got a letter from Experian saying that I had a " potentially negative item '' between XX/XX/XXXX and XX/XX/XXXX, but they did n't say what it was ( of course, then they could n't charge you ). I tried to obtain a free credit report from the Experian website, but I was declined and told that I had to submit my report in writing. I tried using annualcreditreport.com, but just got dumped to the Experian website again and marked as having obtained my free annual credit report when I did n't obtain it. Come back in 12 months. Due to XXXX problems over the last years XXXX - I do n't have the time or staff ( I have no staff ) to pursue these people when they are making things difficult. They promise you a free credit report every year, then scam you by counting a denial as actually receiving a report, so you have to pay for something that you should n't have to.

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

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Experian Dispute XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX {$5900.00} XXXX {$270.00} {$5900.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX {$290.00} XXXX - {$290.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian was contacted to help me with a fraudulent claim ( XXXX ) by XXXX of XXXX XXXX XXXX. It emanated from incorrect billing data provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX billed the wrong amount and the wrong insurance carrier ( XXXX XXXX XXXX XXXX ) for ER services. My insurance company ( XXXX ) denied the claim since the hospital submitted it XXXX year after my ER visit. My ER co-pay is only {$20.00}. XXXX is charging {$460.00} for a XXXX and XXXX for a XXXX. No XXXX, and no XXXX required. Experian did not speak to me personally about the matter but simply verified the claim with XXXX. XXXX did not contact me and did not follow the Fair Credit Act procedures regarding medical billing disputes. I am trying to refinance my home. Experian and XXXX refuse to remove this negative information that is incorrect. I have also disputed this information with XXXX ( File number XXXX ) and XXXX ( File number XXXX ). I hope the CFPB can help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply

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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian never does a investigation properly. My accounts shout show {$0.00} balance in chapter XXXX. It reports I owe an amount even after it was disputed with XXXX. They have a XXXX account from a discharged chapter XXXX account in 2012 from which is still being reported as negative, when it should have been removed. I have XXXX pages from an investigation that was supposedly done and only XXXX accounts are shown. My energy bill was sent in where it shows I was not late on payments, but it 's shows that I was late on even more months then when it was first reported ... .The other credits have taken these accounts off or fixed the incorrect area that Experian is still reporting wrong. As the attachments show, Experian has XXXX accounts listed either updated or remains but only XXXX are shown

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 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The information shown on my Experian account is not correct, I have emails proving the information was supposed to be removed and/or corrected : XXXX - Revolving - XXXX - Individual XXXX XXXX - {$5300.00} Collection - {$0.00} -PAID LAST REPORTED DELINQUENCIES : XXXX CHARGE OFF LAST PAID : XXXX / It should of been removed months ago

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 2016-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The account ( s ) listed herein are inaccurately reporting on my Consumer Credit Report. XXXX and XXXX. I request that the items be re-investigated and removed from my credit report.Please remove all items that the creditor who has reported them can not verify. I request my private right to action pursuant but not limited to 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. I additionally request that Experian go beyond a cursory investigation into the reliability of the information that is reported by the alleged creditors and or collection agencies.

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 2015-10-23 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:
I have sent Experian XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Experian is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Experian along with a final certified receipt date XXXX/XXXX/2015. On XXXX when I went to check the status of my dispute using their Report number # XXXX the website stated that I HAD NO ACTIVE DISPUTES. Please assist me in getting this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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:
I have on numerous occasions supplied Experian with a copy of my Notarized and signed ID theft affidavit and letters from the Office of the Comptroller of Currency and XXXX in regards to an account that was opened at XXXX fraudulently due to ID Theft. Experian has failed to honor their legal obligations regarding ID Theft and has continued to allow the account from XXXX to remain on my credit report. This is even after XXXX has contacted me by letter and through the Office of the Comptroller of Currency stating that this account would be removed from my credit reports. 

On my last dispute XXXX and Experian even updated the account even though XXXX has promised to remove this account from my reports and XXXX ( which XXXX sold the account to ) has removed it from my reports due to it being opened due to ID theft. 
The multiple falures by both XXXX and Experian to honor their word and/or legal obligations has caused me both financial difficulties ( increased insurance premiums, increased deposits, increased interest on open accounts ) but has also caused me 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 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Since last year, BoA has refused to work with my family concerning a loan modification after our family suffered death in the family, and was trying to keep our home by working with XXXX Prosperity Program. BoA continuously lost submitted paperwork, ignored HAMP applications and chose to foreclose on us. For the past 6 months, reinstatement requests have been Repeatedly submitted, yet before today, 8 days before our scheduled foreclosure, we have received only two. One, 3 months ago or so, that was well expired upon receipt of it, and today, which also expired today. Why can not BoA provide a reinstatement quote that allows at least a week before it expires? They will not accept anything but the exact amount, so how can I give that unless we have a non-expired quote. Just as bad, BoA is hitting us with late fees, inflated late fees, that would not have been present had they properly serviced our mortgage and given reinstatement quotes on time. It took months and Repeated attempts to even get the 2 we have the past 7 months. Attempts were made each month, yet it appears BoA purposely failed to service our mortgage, so they could bill outrageous late fees and add to their profit at a foreclosure. This appears to be mortgage servicing fraud ; the reinstatement quotes were ignored and sent belatedly, and now they are foreclosing at a high profit. A BoA rep even advised us NOT to attend a foreclosure hearing. How wrong is that? Is that not fraudulent or at least predatory? Also, at a hearing, where I tried to get the court to order a reinstatement quote, which is why we finally got the one today, I asked BoA ; XXXX attorney for a reinstatement quote and he said he would get me one that week. He never did. I have tried earnestly to get one but they seem intent not to give me one in time. It is a scam to delay, tack on late fees, send expired quotes, and then foreclose with " added fees. '' That is unethical and wrong. That is mortgage servicing fraud. I could have reinstated 7 months ago, and far cheaper without the bogus late fees that have been added to my account. Do they not have a duty to give me adequate time and a non-expired quote in a reasonable period of time, not 3 months after the fact?

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 — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted an initial dispute directly with the credit collection furnisher and credit reporting agency XXXX XXXX regarding debt that did not belong to me and received an initial response from the credit furnisher with their evidence ( address, name, medical service provided and dates ) to support their investigation that resulted in them stating the information was mine. The reported this same conclusion to the credit reporting agency Experian. 

I responded to their results with addition information including court records supporting my dispute including the fact that, I never resided at the address stated, never had a medical insurance policy with the company listed, and had been divorced many years prior and their was no joint debt or liability for debt from my marriage. 

I received confirmation of receipt of this correspondence by a signed certified mail receipt form the company. It has since been over 40 days since their receipt of this second dispute with additional supporting information and I have yet received a response. FCRA requires that Credit Furnishers supplying information to credit reporting agencies that adversely affected investigate and report results of their investigation within 30 days. In my case this has not happened. The Credit Furnisher also responded to a dispute through the credit reporting agency that this information remain without further investigation. After disputing this through CFPB the Credit Furnisher has agreed to re-investigate the evidence provided up to 60 days but has already gone beyond the FCRA required timeline for a response to my direct dispute.

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