vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE ID XXXX XXXX XXXX XXXX NOT MY ADDRESS!!! 
REMOVE XXXX XXXX NOT MY JOB. REMOVE BUSINESS ADDRESS XXXX XXXX CT NOTMY BUSINESS ADRESS DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is written in reference to Experian Credit Reporting Agency. I feel my federal rights have been violated in regards to Credit Reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from the company. When someone is a victim of wrong information being put on their file, it is simply a nightmare trying to get inaccurate/ misleading information removed from a credit file. I have contacted all of the creditors in question listed on my credit file. I have challenged all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit. Documents with my signature constituting obligations that is have entered into business with them etc. I asked for proof of the alleged debt from each creditor. So fsr none of them has been sble to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted XXXX contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rrights in this matter. Under the doctrine of estoppel by silence, XXXX v. XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, hope is Experian stating accounts are " verified '' on my credit report. The letters I receive from Experian states accounts " verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their database is not a sufficient verification. Now I am prepared to sue Experian for being such as pain in the posterior to me. I provided more than enough proof to havr accounts in question 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 non-monetary relief
Consumer complaint received 2016-12-05 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:
Approximately on or about XX/XX/2016 I filed a dispute with Experian who failed to due a proper investigations because they limit the amount you can write in order to prompt and investigation. These are the following issues I have : Personal Information I have filed a dispute regarding the name XXXX XXXX XXXX. I have never gone by this name nor have I ever submitted a credit application for this name. I am requesting that this inaccurate name be removed from my credit report but Experian reported that it was accurate and that a credit agency reported this name. 
Credit Accounts XXXX recently in error reported me 30 days past due. I spoke with XXXX on XX/XX/2016 in regard to the error on my report. When I asked then to change the error I was informed by the collection rep that they can not change credit report errors and that only the credit bureaus had the authority to do that. I was instructed to file a dispute which would prompt XXXX to change my report. I filed a dispute as instructed but Experian just called to verify information instead investigating the phone conversation with the rep.

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 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am looking to move into a new apartment and I wanted to make sure that my credit score was ok. I noticed that it was very low and then went to Experian.com and paid for a credit report because when it went to get a free credit report, it said I had already requested XXXX for the year. I paid {$21.00} for said report and noticed that I had a tax lien on my report, which was an error. I contacted New York State, which is where this tax lien originated from and they investigated and sent me a vacate notice in the mail. I contacted Experian and told them I am disputing this item and they said this dispute will ( not maybe or can or might or may ) be resolved within XXXX days. I called them back and asked if there was a way to expedite said dispute processing and they said if I make a copy of the vacate notice and upload it to them, the dispute would be resolved within 5 business days. I did this on Saturday, albeit with difficulties. I am a XXXX on large mainframe and pc networks. I made a black and white scanned tiff file, as per their website requirements. Each time I went to upload this file, their website stated that the file was in color. After XXXX hours of trying ( because of timeouts on their website and having too many re-tries ), I converted the tiff file to a pdf. I was then able to upload the file.I called this morning, XXXX XXXX, 2015 to inquire if they had even received my file upload and the person who I spoke to said that they can not see if the file was uploaded or not because that is taken care of by another department. I explained my difficulty in uploading the file and I wanted to be sure that the pdf file I uploaded on Saturday was successful and I asked to speak to that department which takes care of the file upload process. I was informed that I can not speak to them with no reason given. I was also told that the dispute " may '' be expedited but there is no way of knowing. I told him that the person who I spoke to previously, on Friday, was pretty definitive that if I scanned this document and uploaded it, my dispute would be expedited. I then asked to speak to a supervisor and was placed on hold. After the hold, I was told that the supervisor would not speak to me but if I provide a phone number, she may call me back. At this time, I ended the call. After looking at my bank statement I noticed I had been charged {$39.00} for Experian.com services. I remember that I clicked on a button which stated, click here if you want your credit score from other credit bureaus and I did. At no time was there an indication that I would be charged for this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have requested to receive a credit report from Experian and was unable to do so online. I have gone into my bank where I have an active credit card and when they pull up my credit report through Experian, it says I am a minor when I am XXXX years old. I have tried to dispute this information from the credit score that I eventually received through the mail from Experian, but when I enter in the report number, it brings up nothing or says it is invalid. This is the report number that they issued me with my credit score. They also only provided me with my actual score, not a credit report/history. I am unable to dispute the wrong information that is saying I am a minor, which is also holding me back from being able to raise my current credit card limit, or obtain any new lines of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a collection account by XXXX XXXX XXXX XXXX and was told by Experian that the information was correct. I sent XXXX 2 letters, beginning in XXXX 2016, disputing the claim and demanding validation that the account in fact belonged to me. I received a response saying they received my letter, but I never received validation or agreement to remove it from my credit report. My understanding is that if they ca n't validate the account they must remove the information from 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 non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A request for an investigation was sent XXXX/XXXX/16 to Experian and it has exceeded 30 days. I have not received any status update nor investigation results which is a violation against the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-12 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:
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account Item # 1 : I dispute XXXX XXXX XXXX - XXXX and XXXX, this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 3 : I dispute XXXX XXXX - XXXX, this account is not a charge of and has been paid in full. Please change account from charge off to paid in full. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there.

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 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an address added to my XXXX report at which I have never lived. It is concerning to me, as I have not applied for any new debt, etc. XXXX said I would need to write a letter to dispute the information and change my personal information, which does not make sense, as I highly doubt the person making the initial change went through the same steps. They also would not review the information unless I paid them a fee. I am also concerned of possible idenitity theft, but was told it " must be '' from a credit card or loan I already have, as there were no new inquiries.

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 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been in contact with Experian on several occasions about an entry that I noticed that was listed on my credit file that was not mine, which was reported by a company by the name of XXXX, Account number XXXX. I have also contacted XXXX XXXX requesting proof baring my signature and a copy of a contractual agreement that I had with them to proof that this account was mine. I contacted both entities through the USPS certified return receipt, and I have proof that a party representing their agency signed for the letter that I sent to them. To this day, both XXXX XXXX and Experian have yet to provide me valid proof as required and mandated by the FDCRA, and are both in violation of the FDCRA. Both Experian and XXXX XXXX are reporting fraudulent information on my credit file attached to my social security number, which will hinder me from getting credit approvals from various financial sources, in the future, if this fraudulent information is left on my credit file. I am demanding that the fraudulent entry of XXXX be removed immediately from my credit file, seeing that both entities have surpassed it 's 30 day allowable timely response deadline as allowed by the FDCRA, and can not supply any valid proof that this account is mine, because I have never had an account with 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 2016-06-06 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Argon Credit
State: AL

Complaint narrative:
First off, this is a predatory lender offering quasi-payday loans. 

It has lied in its response to CFPB : " Let 's start from the beginning, borrower has not responded to a single call or email EVER. '' You never responded to my e-mails about Alabama usury law. Company only kept trying to debit a closed bank account, causing NSFs. 

" A loan was taken out in the amount of {$2000.00}, fully explained the rate and terms. '' A bald-faced lie! This was a bait and switch process. Terms only divulged when the loan was finalized. 

" Under Alabama Law, only loans under {$2000.00} are covered by usury. Our Alabama license allows Argon to charge the rate we choose depending on borrowers credit. '' I have a Phd in law. Please reread the law -- up to {$2000.00}. Of course, scammers know best. 

" Adding up all the payments borrower has made equals {$1900.00}, less than the initial balance. she has {$75.00} in unpaid NSF, and {$120.00} in unpaid late fees. '' Bald-faced liar, again. The principal of the loan has been paid. 

" Not sure how she believes this is paid off, even if we were to give her an 8 % rate she would owe more than {$2000.00}. '' What kind of interest rates are you offering? Usury and predatory interest rates. 


" Borrower HAS to contact us by EMAIL to resolve this, as the complaints to CFPB are not the solution. We have no problem working with borrower, we just need to talk to her. '' Consumer has engaged an attorney and will have my attorney contact you. What about violation of FCRA? There is definitely a violation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Logged onto Experian web site to get credit report for {$1.00} in XXXX. Seven months later I find that I 've been billed {$21.00} per month for some type of credit monitoring program that I had absolutely no intention of joining. This is clearly some kind of " bait and switch '' trap to get consumers to agree to an unclear set of terms, and then bill the credit card for which they have your name, number and permission to make a charge. I would like to have a complete refund of the {$150.00} that I was billed by Experian for this bogus " service ''. This is clearly a scam and should be stopped. 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 monetary relief
Consumer complaint received 2015-04-22 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:
My name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is 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 2015-10-13 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:
Am Filing this complaint because XXXX has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You

Company public response: Company 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: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian falsely states that they investigated a dispute regarding XXXX public records. They stated that they contacted the Courts to validate and verify the info. They lied. I provided a letter to them from XXXX XXXX, Clerk of Court with the United States Bankruptcy Court of XXXX District of Texas stating that they have not and have never spoken or corresponded with EXPERIAN at all .They then sent a letter stating that they verified with a third party, However they refuse to disclose who this third party is and when they verified it. They are blatantly in violation of the law.I want the name of the third party, who they spoke with and I want it deleted from my 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 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Victim of ID theft or just not my account. 
Dispute of Bankruptcy returned as validated, verified by original creditor. 
My next steps included going to the court house to obtain supposedly " my record of bankruptcy '' Return results {$8.00} to find out you have no record. Next I wrote the US trustee inquiring so I could have a paper trail, Their response " We do not report to CRA 's '' Please call us@... .... 
I called to find out that only limited information is available and public reporting by outside sources is how the CRA obtain their information. NO SSN, NO DOB, names and address only! Now I 'm mad, I feel lied to and cant understand how I got into this mess.. There is no reports of this on the other CRAs?!?!?! 
So I did what any lost and confused person would do, Reached out to a consumer report attorney. His suggestion was to file a police report as ID theft and let the CRA figure it out. 
On XXXX/XXXX/16 Experian received police report, letter from US Trustee department, and statement requesting XXXX Block. XXXX/XXXX/16 - Per phone call XXXX request denied, we issued a letter today. 
I cant get this off of my report, There is no court documented Bankruptcy, A police report, a supportive letter from the trustee department, my statement ... .. What more can I do? 
I Have to avoid any lender that checks Experian because my score is XXXX now and I cant secure the credit I need or even rent an apartment or buy a home due to Experian 's lack of compliance the basic laws.

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