vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is documentation that i have compiled since i began disputing inaccurate reporting and items on my credit. It began XX/XX/2016 and have not been resolved. Since then in a mater of days my credit score has dropped over XXXX points with no use or change in my credit. There has been a serious error made here. I have called I have mailed in paperwork and every time i do, i 'm asked to wait anther 30 days. I do n't have anther 30 days from never to get this resolved. I 've included my police report, original mailed in documents and the responses from all XXXX credit bureaus. This has prompted me to file a formal complaint with the consumer financial protection bureau as well. One might think you would err on the side of caution before destroying ones life. I have lost a lot because of this error which is also included in my documentation i 'm asking you to cease and desist any further negative retaliation on my credit. Please address the items that listed for correction in my paperwork.

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 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

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 311 ( 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 possibile. 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 non-monetary relief
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).

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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my GAP insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however Experian and XXXX believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me to go XXXX and hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX none of theses accounts have validated the account to belong to me. XXXX have removed theses accounts from there Credit Reporting profile they investigated that the account were 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 non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have raised a dispute with Experian for the late payment reported from XXXX XXXX XXXX XXXX is not correct. they are showing some federal reserve has stop payment in my checking account so the card payment was not successful. I contacted my bank XXXX and there is no stop payment. I reviewed the stop payment document federal reserve and the company name is showing XXXX instead of XXXX. this is different company name they are trying to use my checking account. NWFCU credit card is not showing any proof of the stop payment on their company name. I asked them this is different company why its not in your company name and they are not responding, for last 8 months I have very difficult time and they have reported late payment 60 days. the credit bureau I do n't know whether they have the skills to review what company shows is correct they agree on this. this is useless credit bureau and its not all favor to customer. they are supporting only company. They have obsoletely XXXX knowledge or they purposely doing fraud. i request consumefinance.org to take strong action and penalty on them

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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I continue contacting Experian about a address on XXXX XXXX on my credit file, asking to be remove. The address is not mine its assoicate with my relative with the same first and last name. Experian would'nt remove the address. I upload a copy of my Id, social security card, and copy of a bill, as told by Experian. Now Experian refusing to remove the address at XXXX XXXX. I 've called multiplies time. Still no result. Im trying to aviod my Identity from being used. I apply a fraud alert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX, TX XXXX Re : XXXX - Account Ending XXXX. 

I am writing to ask that you delete my entire record from all credit reporting, since I have tried numerous times to contact the collections company XXXX has referred my account to : XXXX XXXX, XXXX Executive Response Unit. XXXX XXXX. 
XXXX, Office of the President, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX. 
XXXX XXXX, VP Client Servicing I have had XXXX success in doing so, since they claim it is a XXXX account. 

In addition, I have made consistent payments to XXXX over the years and as a responsible person, and yet XXXX is still reporting me as not paying. 

This must be rectified immediately, since as I was told via my phone call XXXX does not manage this debt, XXXX XXXX XXXX XXXX XXXX does. 

I am reporting this mis-reporting to CFPB and each individual reporting agency. 

I look forward to your response. Thank you for your consideration. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that EXPERIAN has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
EXPERIAN IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
EXPERIAN IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND EXPERIAN SHOULD STOP VIOLATING CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! MY CREDIT WORTHINESS HAS BEEN DAMAGED!

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 2016-09-02 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: AZ

Complaint narrative:
In its " Explanation of closure '' for Case number : XXXX dated XXXX/XXXX/2016 Experian Credit Reporting Agency stated : " On XXXX XXXX, 2016, the results summary was sent to you for review. '' In my Reply dated XXXX/XXXX/2016 I stated, " I checked the mail today ( XXXX/XXXX/2016 ) and still have yet to receive any documents in the mail, summary or otherwise, from Experian. 

As of today, XXXX/XXXX/2016, I have still not received the " results summary '' Experian said it sent on XXXX XXXX. To assist Experian in sending me the " results summary '' to my correct mailing address I provide that address here : XXXX XXXX XXXX XXXX, AZ 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 2017-04-03 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: KS

Complaint narrative:
We filed a complaint against Experian about 45 days ago. In the complaint we specifically stated that the company never issued us a number to unfreeze the credit bureau report when we paid to freeze it. Therefore, we are unable to unfreeze the credit bureau report in order to apply for credit. Since the original report, Experian sent us a copy the credit bureau report. This is not what we asked for. Experian needs to send us a number to unfreeze the 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 2016-11-03 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:
Any accounts I 've had with XXXX were paid in full and closed prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal yet Experian continuously allows. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( 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 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am responding to a letter I received from Experian. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they think my letter is suspicious. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Prior to sending in my letter, I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute and included all information necessary. 
I need to know what made my letter " suspicious '' and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. 
I would like Experian to respond to my letter the same way they would if I called them by phone or disputed something online ; I just want them to permit me the right to have my accounts properly investigated for inaccuracies and errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Again probably for the XXXX time I contacted experian via internet to dispute wrong information on my credit report. The system would not let me do it as I previously disputed it. I called experian again and was told that they can not re-dispute the incorrect information for me. I sent in to experian a letter directly from XXXX who holds the XXXX accounts I am complaining about and trying to get corrected. I was told that I need to contact XXXX again and get a more detailed letter stating that these accounts were never paid late. The XXXX accounts are XXXX XXXX 's. They corrected XXXX and put that account in the satisfactory as it should be but did not and will not fix XXXX and XXXX account. This makes no sense to me as I personally spoke with XXXX to review all XXXX accounts they hold and they e-mailed me seperate letters for each account stating the information that experian is reporting is incorrect and should be corrected. I was never late on these charge cards and I have standard proof. Now they will not re-dispute it for me and the proof I sent in they are not accepting. How can it get more explanatory when the letter came directly from the bank. I have been putting so much time and effort into getting this corrected and now i 'm told they will not re-dispute it and want me to contact XXXX to get another detailed letter before they will re-dispute it. This is ridicilous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are XXXX accounts remaining on my credit file that are past the age of 7 to 10 years for reporting. The bureau will not delete these accounts, nor will they furnish me information as to why they are not removing the accounts.

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 2016-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Multiple disputes were initiated through Experian 's online porthole pertaining to information within my Consumer Credit Report that was found to be inaccurate and or erroneous. Upon information and belief Experian has violated the FCRA which ensures that all Consumer Reporting Agencies report information that is 100 % accurate. Pursuant to the FDCPA and the FCRA I now exercise my lawful right to question the validity of the following information ; 1 ) US BKPT CT XXXX XXXX is NOT my account 2 ) XXXX XXXX is NOT my account 3 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 4 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 5 ) XXXX XXXX XXXX Never Known By This Name 6 ) XXXX XXXX XXXX XXXX Never Known By This Name 7 ) XXXX XXXX XXXX XXXX Never Known By This Name 8 ) XXXX XXXX XXXX XXXX Never Known By This Name 9 ) XXXX XXXX XXXX XXXX Never Known By This Name 10 ) XXXX XXXX XXXX Never Known By This Name 11 ) XXXX XXXX XXXX XXXX Never Known By This Name 12 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address The FCRA section 611 ( a ) ( 1 ) ( A ) outlines your responsibilities in case of disputed accuracy. Moreover, I am requesting that Experian to verify as required of this company by federal law for physical verification of the original signed certified consumer contract- of any and all accounts listed herein pursuant to 609 ( a ) ( 1 ) ( A ). I demand to see a copy of the Verifiable, validated proof of the accounts disputed herein ( an original consumer contract with a wet ink signature affixed ) as copies of copies are not validation and by law are not considered proof. ( See : XXXX v. XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX ( 1997 ). ( Finding that computer printouts are not verification of a debt ). The law is very clear as to Civil liability and remedy available to me for " negligent noncompliance ''. 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.1997 ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer.

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