vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-02 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 complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries on my credit file. I have disputed them previously but they keep coming back verified. I disputed in writing to this company for validation of debt and never heard heard anything back, yet they continued with collection efforts. I found out this company is no longer is business per the XXXX website and recently entered into a consent agreement with CFPB to recoup monies illegally collected by consumers. So my question is how did the credit bureau verify a debt with a company that is no longer in business??? The phone number for the business is now a recording for a promotional offer.

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

Complaint narrative:
I have contacted Experian several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit 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 non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received my credit report from Experian. I have proven that the company Experian tells customers that they conduct these sophisticated investigations that they require so much time to complete. They even have the gall to send out letters informing customers via mail they they need additional 15 days to do some research. In XXXX specific case they need the customer on the phone to be able to confirm the customer 's identity, so this company lies to customers. I want all references off the credit report that would make the line of credit 7 years or more. Every citation to XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. The FCRA required that only " Accurate, Timely and Relevant information be on a personal credit report, so that decisions can be made on credit worthiness can be made. '' ( Paraphrase ) I expect this done without delay nor excuse. All these items are out of date and need to be removed. In addition all school loans were consolidated at 3 % under President Obama 's XXXX program. I only have to pay XXXX payments under income sensitivity I already received the first XXXX payment free. 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 2016-10-05 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:
Please delete all inquiries from XXXX XXXX through 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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting XXXX bankruptcy forXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that I never file. 
I have contacted The Court, said computer error and they did not verify or validate with Experian, see attached letter from Court.

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 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I disputed various accounts that Experian has been reporting incorrectly. I received an email on XXXX/XXXX/16 that my results of the processing of my dispute were available online. I logged in to see the results and despite their legal obligation to correct or delete inaccurate, incomplete or unverifiable information they failed to do so. Instead of reporting complete, accurate or verifiable information they instead removed positive payment history, changed the date of the inaccurate delinquency and closed my dispute regarding the XXXX XXXX accounts. Now they are not only reporting inaccurate delinquencies on those XXXX accounts but they are reporting incomplete information because they have removed 2 years worth of positive payment history on this account. They have also added the following to each account : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. This is in fact not my statement and I do not want it on either of these accounts because it is being portrayed as my statement which is both misleading and outright false. I have had to dispute numerous accounts on my Experian credit file and despite their claim to have verified the information they continue to not only report inaccurate and incomplete information but information that they could n't possibly be verifying with the creditor because the verification does n't exist.

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 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX filed a judgment against me for an unpaid loan ; however, I was not aware of this because the information was sent to an old address that they had when I entered in the loan agreement. I did not know about the judgment until I pulled a copy of my credit report in XX/XX/XXXX. The first judgment was filed in XXXX XXXX but it was closed. Then they refiled in XXXX XXXX and because I was n't aware of the judgment, I did not appear in court so a default judgment was awarded in XXXX XXXX. The credit bureau originally showed XXXX XXXX on my credit report as the filing date back in XX/XX/XXXX ; however, they have since reported the filing date of XXXX XXXX even though that is not the correct filing date. It is my understanding that a judgment is only permitted to appear on my credit report 7 years from the filing date not the award date. Therefore, this judgment should be removed immediately. I do not have a copy of the original court paperwork because I never received it but I have sent the attached document that was obtained on the court website to all XXXX credit bureaus but XXXX & Experian will not remove the item or update it & the filing date remains XXXX XXXX. They advised me that they verified this information and the information they are reporting is correct. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You MUST By law and the settlement remove the following my Bankruptcy and all accounts in the Bankruptcy. 
I have sent over XXXX letters and they have been ignored. 
XXXX Settlement reached in XXXX FCRA class action by : XXXX XXXX. XXXX Last week, plaintiffs in a Fair Credit Reporting Act class action against XXXX sought preliminary approval from a Virginia federal court of a settlement reached by the parties. 
The foundation of the plaintiffs ' claims involves alleged incorrect reporting of Virginia state court judgments against individuals. Specifically, that, in its consumer reports, XXXX lists judgments as unpaid, even though its records do not contain information on the current status of those judgments. The plaintiffs claim that this is in violation of a credit reporting agency 's duty to follow reasonable procedures to assure maximum possible accuracy of information contained in a report. 
According to the motion, the parties have litigated for over five years ( one of the two cases was initially filed in XXXX, and one was filed just this year ), stretching through discovery and into " extensive motion practice, '' including class certification. The parties entered into mediation, which reportedly ended in the proffered settlement. 
Under the settlement, XXXX will pay {$3.00} XXXX into a settlement fund for class members " who are most likely to have suffered credit injury, '' remove Virginia General District Courts judgments from the credit files of all persons ( class members or not ) for a period of no less than five years and provide to all class members four years of XXXX credit monitoring services or {$180.00} in cash. Any class members who believe they suffered actual damages as the result of an inaccurate report containing a Virginia General District Court judgment can reserve claims for those actual damages. 
Public Information Bankruptcy XXXX Experian XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XXXX/XXXX/XXXX Reference # : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : XXXX Court : US BKPT CT VA XXXX Liability : XXXX Exempt Amount : XXXX Remarks :

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 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a proper dispute on an unknown medical account with Experian. On XXXX/XXXX/2015 I received a response to my dispute stating that they will not re-investigate the dispute because it was previously disputed in XX/XX/XXXX, more than two years prior. I then contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Experian, re-disputed to Experian with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute. Experian 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Experian is the only credit reporting agency that is erroneously reporting this account on my reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28 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: MA

Complaint narrative:
CREDIT REPORTING COmpanies are required to give a free credit report annually. When I went on line to request my Experian credit report, as I do every year, I filled out all the information, and got this message : " A condition exists that prevents Experian from being able to accept your request at this time. '' And was told to submit a form in writing. I XXXX that phrase and found that thousands of other people are getting the same message. It seems obvious that Experian does not want to provide their required-by-law free credit reports and is doing this to discourage participation in this useful service.

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 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went down to the courthouse to verify information concerning a bankruptcy found on my report. The information is not mine. The name is the same, but the social and address is 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 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect information regarding an account was listed on my credit reports from all XXXX agencies. I filed disputes, shortly after XXXX and XXXX both made a correction and the account is now in good standing. After repeated attempts with Experian, they have not corrected the issue. Experian lists the account as negative despite being provided the proper documents. They have also failed to provide a description of how they processed my dispute, which I requested per my rights. 
This is the verbiage of my dispute to Experian : " This account relates to a dispute with the XXXX in XXXX that was resolved in XXXX. The XXXX claimed I had a past due ( in collection ) and I claimed I was owed because of overpayment. The XXXX conducted an audit and determined that I was indeed owed the same amount they claimed that I was in arrears. I received a refund in XX/XX/XXXX. I have included copies of the audit and refund documents. Can you please update the negative account in my credit report? Thank you. '' I have attached documents clearly showing the account should never been in collections XX/XX/XXXX. Please disregard the yellow highlight on one of the docs as that was for another matter. 
Thank you CFPB! 
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 2016-11-26 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:
This company XXXX XXXX filed a debt on my credit report after I disputed debt with them. They have even sent me letter showing proof I am disputing because they have requested more info. 
Also they have now sent me a letter offering me to pay half the debt, which makes no sense. It is not mines and should never have been put on my credit report. 
Under the law I have a right to dispute a debt.

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 2016-05-14 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: VA

Complaint narrative:
Over the last six ( 6 ) months, since XXXX XXXX till today, I have been unable to get my free Annual Credit Report from the Experian Credit Reporting Agency online from the government authorized website : XXXX even after numerous attempts on several different occasions including today. I always keep getting the same message from Experian as folows : " A condition exists that prevents Experian from being able to accept your request at this time. '' My last free Annual Credit Report from Experian is dated XXXX XXXX, XXXX, over three ( 3 ) years ago, which I had no problem getting online from the said website. 

Please instruct Experian to allow me to get my free Annual Credit Report from Experian online through XXXX at the earliest, and let me know. I had no problem getting the same from XXXX and XXXX. Thanks, please do help and let me know.

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 2016-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: NJ

Complaint narrative:
I am trying to work with my bank to modify the loan. They refuse to give me any help. They do not have to work with me, is what they said!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have paid this account in full which also included applicable interest before XXXX XXXX, 2015. I have asked XXXX data regularly about giving thecredit agencies an updated status. They keep saying they are doingit but nothing has been done and it is XXXX now. Please remove thisfrom my credit report. 
XXXX Account # : XXXXThank You. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attempted to dispute through their portal and it will not allow me to dispute inaccuracies on my report. I have evidence to support my claims but they will not allow me to dispute and they refuse to let me in and go through their website. I can only submit it through here so that they may receive my dispute and investigate the inaccuracies.

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 2015-10-31 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: MD

Complaint narrative:
- I went to request my credit report to XXXX- I ordered credit report from all three agencies- I could download from XXXX but Experian- Experian generated " a system error '' problem and would not generate report- I ran out of my free report since it 's only one per year- I call is only automated and online submission has not resulted in any responce except getting email to pay for score!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am divorced from XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My debt with XXXX XXXX XXXX was discharged in bankruptcy in XX/XX/XXXX. They have since begun reporting the account on my credit as a derrogatory account with inaccurate dates and a balance due as of 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 non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On credit report XXXX, XXXX, Experian states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at 25 dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over 15, ooo dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This debt was discharged XX/XX/XXXX, Bankruptcy case # XXXX, not sure there why this is still on my credit report, as well as several inquires in XX/XX/XXXX, from this company. I have attached XXXX of the several letters I have sent to this company, starting in XX/XX/XXXX

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