vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed a collection account from XXXX on my credit report to experian, they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say XXXX, cause as I stated in my original dispute the account was incorrect. So how did XXXX verify an account another credit reporting agency could n't? Does Not exactly explain out very well.

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 2016-12-12 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: FL

Complaint narrative:
I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time

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 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I applied for a VA refinance loan with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX. My application was denied because of an INCORRECT report provided to them by Experian XXXX. XXXX XXXX, XXXX, XXXX, XXXX. I had been a ID theft victim in XX/XX/XXXX & notified all XXXX major reporting agencies by certified mail. They also reported that : " serious delinquency and collection has been filed ", which is again incorrect ( I also checked XXXX XXXX! ) because I filed a Chapter XXXX, final on XXXX/XXXX/XXXX. This blatantly WRONG information cost me obtaining a lower interest rate refinance rate! ( I 've been told that a BK should NOT preclude me from a refinance of my original loan! ) Also, I know have discovered that XXXX has been " dropped '' by the XXXX & fined by the FTC? I 'd like EXPERIAN ( the only XXXX of the XXXX major reporting agencies to file a negative report! ) to immediately correct my record! Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Email : XXXXXXXXXXXX, Ph : ( XXXX ) XXXX. Experian & like agencies do not respond to consumers, or can they be FAXED, E mailed. or called to correct same! Note : XXXX XXXX still advertises on TV!

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 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been requesting verification of the following account that Experian continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED 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 explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provided 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 611 ( 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 possible. 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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX was paid and agreed to delete their information. It was removed for the XXXX other bureaus. By law, if an account is deleted from on bureau it has to be deleted from the other 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 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I 'm pretty sure these XXXX accounts are n't mine but it wo n't let me redispute because it says it 's been verified already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX is a collection that was paid on my credit report. On my experian credit report it states it was open on XXXX. On my XXXX report it states the companys name as XXXX XXXX XXXX. And it states it was open on XXXX. The amount reported by both is {$700.00}. I payed this collection on XXXX. I was told it would be removed after 60 days as Ibwas told from the collection agency. It 's still not removed. I have disputed and yet it still remains on both credit reports. I finally got them to remove it from my transition. This item was paid and states that it 's paid. It has been over the 60 days. Also the reporting dates are both different and they are XXXX different collection companies reporting in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Tried to submit an EXPERIAN credit report error several times on several different days through their website. Every time it says the website is down and to call their XXXX number to report the dispute by phone which no one ever answers. It 's IMPOSSIBLE to get through to these people and get a credit report 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 2017-02-07 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:
I came to the United States legally XX/XX/2016. I have a debit and savings account with XXXX. I applied for a credit card and XXXX refused my request. Experian 's credit report presents information that is not mine and is prior to my arrival to the country : many accounts appear in poor condition as well as accounts in good condition. I only have XXXX credit account with XXXX, which appears in the report and it is in good condition. I want to build my credit, I pay my unique account on time and completely, but this situation affects my whole family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 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 possible. 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 explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditor XXXX, and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.

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 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. 
XXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I FILLED OUT ALL THE INFORMATION AND WITHOUT ANY EXPLANATION, THEY DID NOT RELEASE MY REPORT OR SCORE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent an id theft affidavit to Experian to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I hired a wedding planner in the XXXX - Vals Wedding. My fiance and I paid a {$500.00} deposit to secure our wedding date back in XX/XX/XXXX, yet were just told that the wedding planner is no longer going to perform wedding services. She has referred us to another company that will honor the prices she provided, however our deposits have not been returned. There are appx XXXX brides that have been put in the same situation. The planners website is https : //www.weddingsindr.com/. Transaction was made via PayPal. XXXX has stolen our {$500.00}, and will not respond when the brides inquire about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked XXXX to investigate the information regarding XXXX XXXX Credit Union. The CRA swears that the information is valid and refuses to invesitigate when I know for I fact the account is over years old. I got approved for a loan with XXXX in XXXX and the XXXX reported deliquency was in XXXX. The CRA has down XXXX. While XXXX was the date the car was repossessed. So how can that be?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I noticed a late payment mark on my credit report for the month of XXXX 2014 for a payment to XXXX XXXX. I make all my payments on time, as my history will indicate. I believe that somehow my payment did not go through and a glitch caused the nonpayment. My next monthly payment did go through on XXXX XXXX, but it looks like the payment scheduled for XXXX XXXX was already reported as nonpayment. Even if it was an error, i would have expected a courtesy call from my bank, given my long and good history with them, which i did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are fraudulent items on my credit report with Experian. I sent them copies of my police report, ID Affidavit, and they refuse to block the accounts from my credit report. They also refused to remove the items off of my credit report and reinvestigate it anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Two years ago I XXXX. My credit was OK - but not great due to some credit cards I had trouble paying while I was in college. However, currently, I only have XXXX credit cards with very low limits, and my credit report is showing I owe over {$5000.00} to creditors. I am a XXXX year old moth of XXXX, my husband is a XXXX in NJ and I am XXXX that I have been working hard for. I have been XXXX for two years, and XXXX has XXXX debt. Everything I purchased for XXXX has been paid in full. My credit report is now the sole reason I can not get a line of credit or small business loan to continue to grow my XXXX. I truly feel that these reports are false - because I do not even have a credit card with a limit of {$5000.00}. I am not in collections with anyone, and I am infuriated that these agencies can list I owe so much money to creditors when I clearly do not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Muskegon Car Credit, Inc.
State: FL

Complaint narrative:
I got a car from a company called XXXX XXXX. The car was a lease to own and could be returned at anytime. The first month with the car I was having so many issues and received an alert from onstar stating that the car had a major recall for carbon monoxide emissions. I called car today and ask them to fix it they refused so I told them I was bringing the car back. They stated that they buy cars from the auction and ca n't fix everything before they put them out on the lot. They then pull the kill switch on the car and towed it the next day. I received a letter from them saying the car was no longer my obligation and that the car was leased out to someone else. A couple of months later I checked my credit and I saw a repossession from a company called Orbit leasing Company with a XXXX balance due. I have disputed this item and they still refuse to delete it off.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit score dropped XXXX points in one week with no negative impacts from my credit history.I called both XXXX and XXXX and they were unable to explain the decline in score, they even stated there were no changes to my credit history. I went through every aspect on my credit report with them from credit card use to hard inquirers and there were no adverse changes. My over all debt had even decreased. My score went from XXXX to XXXX. They just said they have no control over how the score is generated and could not provide any negative impacts that had occurred over the last 60 days. XXXX told me if I paid them money they would provide that information. I have contacted XXXX, XXXX credit monitoring and they all said they have no negative changes ... .this change in my score has caused extreme distress for my financial future and the pause in my ability to seek out loans or apply for credit cards that offer better interest rates and balance transfer. My wife and I were planning on buying a new home. 
I have received no information or help on this problem after hours on the phone with both credit reporting 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 explanation