vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There is a hard inquiry on my credit report that should not be there. I disputed the account with XXXX XXXX XXXX and they removed the account from all of my credit reports, but the inquiry is still there. I would like this inquiry removed since I did not open this account in the first place. I have attached the letter from 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 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian refuses to investigate or correct reporting on my report for dell financial. they will not allow me to dispute it when I try and it is showing a balance when it should notit was discharged in a ch XXXX bankruptcythey also have XXXX other accounts showing a balance that I could dispute that were also included in the ch XXXX they have not replied with answers to these alsothey are XXXXI have attached the credit XXXX showing they were listed and the copy of dicharge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To whom it may concern, I recently applied for credit with my bank and was declined because of a a low credit score. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suite to challenge the status quo of the following organization. These agencies consist of Experian, XXXX and XXXX. Please inform me about how I can pursue to challenge and correct this matter, 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 explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing hard inquiries on my credit with TransUnion Credit Bureau for the past 3 months I have filed electronically and called and talk to a live agent. The live agent removed the inquiries but they have recently returened XX/XX/XXXX. They were previously removed XX/XX/XXXX/XX/XX/XXXX and put back on my credit report again. I check my credit monthly and I know they were removed XX/XX/XXXX/XX/XX/XXXX I know that TransUnion removed them because of a computer glitch or error in which effected my account and I was never notified. Listed are the inquiries disputed, removed, and added ack on to my report currently. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/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 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Completed chapter XXXX and paid off taxes, both state and federal. I have contacted XXXX and my report still shows liens by the FED and State.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Today I was forced to purchase a report from experian in order to be able to dispute some accounts on my report. 
after obtaining the report that came with no number, I called the phone number on the report. 
after almost 20 minutes on hold, I was able to speak to a live person and was told that dispute department has shorter hours and I have to call back on Monday. 
The accounts being disputed has been removed from other reporting agencies, so far Experian refusing to remove them, based on dispute I submitted 4 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 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XXXX 2015 I received telephone call from a debt collector representing the office of attorney XXXX XXXX XXXX. The representative offered a settlement for a past XXXX debt. We agreed to a payoff of {$380.00}. I paid and a manager indicated the amount agreed would reflect on my credit report. My credit report shows the debt paid however not the {$380.00} agreed. 

Please see the attachment from XXXX XXXX XXXX 's office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: PA

Complaint narrative:
I had spoken to XXXX XXXX XXXX on several occasions about my monthly statements and how I could receive them. Around the same time our mortgage was going to be transferred. I asked him if our credit file with Statebridge could be deleted, he requested that I send in a letter asking for the removal of the negative information, which he assured me the account would be removed. I did this in XXXX 2016 and got no answer, I also disputed the fact with XXXX XXXX credit reporting and have not received a response. XXXX XXXX states that their investigation has been completed but there is no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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 paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE CREDIT 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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Describe what happened so we can understand the issue ... 
A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.

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 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX at XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my 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 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian uses deceptive and misleading practices to automatically enrolling customers into a monthly dues-paying program referred to as Experian CreditWorks. I recently requested my free yearly credit report from Experian.com and was advised to enter my credit card number. I was skeptical but when the website explained that the credit case would only be charge {$1.00} so that Experian could more easily verify my identification. I was shocked when two weeks later I was charged {$21.00} by Experian. I went back to Experian to see what this was about and was told that by requesting my free credit report I was automatically enrolled in the Experian CreditWorks program which costs {$21.00} per month. I was advised that because I did not proactively request to cancel my membership I was responsible for paying my membership dues. I feel mislead and deceived by Experian. It seems that the practice of automatically enrolling customers in the CreditWorks is designed to make extra money by charging customers for the first month before they realize they 're enrolled in a program that automatically deducts monthly dues. This is a dishonest and deceitful practice. Experian will claim that their website clearly states the policy, which, in a way is true. However, the practice is so transparently deceitful that it warrants a look from the CFPB.

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 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO 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 2016-08-04 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:
My Name is XXXX XXXX XXXX XXXX. The current Experian credit report include information from a XXXX XXXX XXXX to include his address, credit information ( inquiries, collections ) and account that is not related to me in any form. I need this information corrected.

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 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good Evening, Spent several years disputing and sending letters to request update on accounts that have been deleted off XXXX and several on XXXX. Recently sent certified letters showing proof from companies that show accounts were paid in full. Credit bureaus refuse to update status to reflect such. Or remove inaccurate information causing for credit scores to remain low. Causing denial of services and products..

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 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX Loan Servicing ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX XXXX XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.

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 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a nanny and chose to take out taxes from her check. As the result of an error. Duplicate tax/employer numbers were created. When the problem was recognized, they released the lien in 2006. This is still showing up as a series derogatory item on my tax report and has impacted my credit score which has impacted the type of mortgage I recently go, and have to pay PMI. Since 2006 I have purchased several homes, so obviously, there is no lien. I have reported to Experian and never heard back. I have attached the lien.

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 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
SERVERAL ADDRESSES WERE INCORRECT ON MY CREDIT REPORT. I HAVE NEVER LIVED AT THESE ADDRESSES. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The compliant number is XXXX that I have not had a responce on. 
This is not a duplicate, I 'm asking for TransUnion to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as they mite seem to think I 'm asking. They have not respond to the first complaint submitted yet. I 'm sending this so I can spell it out as clearly as I can. I want late payments removed from 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 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I have an authorized and fraudulent inquiry listed on my Experian Credit Report. The following inquiry is fraudulent and unauthorized : XXXX Credit/XXXX. Further, I have addresses listed on my credit report that do n't belong to me. I have never lived at the following addresses and I want the addresses deleted immediately from my entire file and credit report : XXXX XXXX, MN XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is not reporting account # XXXX with the correct limit. I have XXXX XXXX Credit Card with a XXXX limit. This is information is not being displayed and is affecting my credit score. Please have Experian to fix this issues 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 non-monetary relief