vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-13 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:
Hello Cfpb, I 'm yet complaining again simply b/c I feel like the process is being dragged out and that experian is not taking my file serious enough. I 've sent XXXX separate letters certified to them stating my claim and showing the ID crime report, providing drivers license, etc and I still have XXXX, still have credit acceptance, still have some large XXXX apartment complex, and some child suppport thing out of michigan?!? .. I would laugh because of the last XXXX ... My name is XXXX XXXX and what the police thought is that someone with a similair name is getting tagged to me.. not sure how the system works entirely but I need to get this handled asap. 2017 I do n't want to be messing with this ... I will if i have to but I 'd rather not. I did see a XXXX light bill show up as well which to Experians defense they have not had it brought to their attention. When I contact these places they simply instruct me to pay settlement and I refuse I 've compiled dates and responses that I can upload if needed if it will show my initiative. thank you, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got a protection agreement by XXXX with Experian Services Company last year because of a fraud and steeling information from the first party. Of course, I did not get any feedback from Experiance, even a freer report or Credit Score report till now Beside that, I start to receive many Credit Cards Offers which I do not apply for, Like ; XXXX. 
Will they only take fees through extra Sales Tax from XXXX which we are pay too and not sending Us or free reports annually to protect us?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is an address on my credit report that was reported on XX/XX/XXXX. I have lived at my residence since XX/XX/XXXX and still to this date. I can prove. If you can please check or remove this address it is not my residence. Thank you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The reason for my complaint is because Experian has continued to report a publicrecord that is fraudulent even though I have sent supporting information to have the public record removed. They continued to claim that the public record is coming back verified from the Vendor. I have contacted their vendor XXXX XXXX XXXX XXXX and expressed my concern and brought to them my concern in a separate complaint that i filed with CFPB case XXXX. They responded with my concern explaining that the XXXX County Public record was removed from my lexis nexis risk file. I am attaching the response that I received through the CFPB portal from XXXX XXXX and requesting for Experian to remove this public record from my experian file. The last complaint that I put on Experian in my opinion they did not even do an investigation as the results were given not even 5 days from the date that I put the complaint. 

I am also going to attach my Drivers License and Social Security Card requesting for Experian to remove the Extended fraud alert from my file. I attempted to upload the document to the Experian website and they have also failed to respond to my request. I am requesting for a credit line increase with one of my creditors and they are declining me because of my fraud alert. They requested that I remove from my credit profile before they can continue with my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several other credit breau corrected my report, but Esperian has not, and avoidedmy attempts to help them, with the other XXXX breau reports. And I need the itemsremoved that are wrong and status of limitation has been over the time allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: AL

Complaint narrative:
I have no clue the questions asked may have been to long ago to remember or something none of the questions pertained to me as current contact me please 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 2016-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a small business owner and in between XXXX I had to take a great loss as XXXX came across the street to my newly purchased XXXX in XXXX, XXXX Not even that I had to close the XXXX but also had to pay for the removal of XXXX. Well for that reason I could not pay my Federal and State Taxes which I end up paying all of them with the penalty. Those tax liens still show on my credit report with XXXX of them as un-paid due to this I got denied earlier this year when I try to Re-finance my mortgage and again now when I applied for a small business loan. I tried to contact Experian, IRS and State of PA and all verify the paid status but Experian is unable to provide me a reason for my XXXX credit score. This is effecting my life immensely and I am requesting a resolve to this situation, thanks.

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 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Everything on my Credit is 10 years old or more and it 's stoping me for getting a house Experian need to get that old stuff off my Credit before i sue them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
No filed CFPB and letter to credit reporting company at the same time. copy of credit report with marked and highlighted incorrect data on 90 percent of report sent to credit report company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting XXXX and is in violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I desputed XXXX accounts and there were deleted but XXXX of them reappeared with a different collection name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have spent the past 6 months sending disputes monthly to Experian about XXXX inaccurate accounts reporting on my credit report. ( XXXX XXXX XXXX XXXX Accounts and XXXX XXXX Account ) Experian has consistently disappointed me by doing everything in their power to not honor the disputes. They 've said:1 ) This is a suspicious request and we are protecting your identity, so we will not honor your disputes ( Although the dispute was not suspicious, it was sent certified mail with a return receipt and included my identification documentation and a list of the accounts in question ) 2 ) Send more documentation, we ca n't verify your identity ( although I sent a copy of my passport, drivers license and social security card with the original dispute and the address on my disputes matched the address on my Drivers License and Credit Report ) 3 ) We have previously verified these accounts, we believe your dispute is not valid, so we will refuse to process it. ( Although their other responses were not verifying the accounts at all, they were requesting more information and fraudulently denying me my rights under the Fair Credit Reporting Act. 
4 ) Now they have stopped responding to my disputes all together. 

It 's evident to me that Experian is willfully non-compliant and blatantly breaking the law. When I sent the request to XXXX and XXXX, they deleted it right away. 

Now, here is the part that really gets to me ... I called XXXX XXXX Collections and they told me that they requested the accounts be deleted from my credit report months ago. I asked them if Experian has investigated the account, and they said no. 
I was recently denied housing because the property management company pulled by Experian report and this information is still haunting me after I 've done the exact process of disputing inaccurate information that is granted to me under the Fair Credit Reporting Act. But Experian is blatantly breaking the law and it 's threatening to make me homeless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The accounts that are in question should be removed from my credit file thses accounts have passed the statue of reporting these account have reported as delinquent as of XXXX. 
Which the statue is seven years from the first date of reporting the delinquency. 
XXXX ( XXXX ) first reported XXXX. 
XXXX ( XXXX ) first reported XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21 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: OK

Complaint narrative:
I applied for a loan with XXXX different lenders and was presented with XXXX different credit scores from Experian. My credit union provide XXXX different scores. While in the credit union I was told that my Experian score was at XXXX. They turned down my loan but sent be an Adverse Action warning and the Experian score was at XXXX. I applied at a different lender for the same loan and was told that my Experian score was at XXXX. Same Credit Reporting Agency giving out XXXX different scores. It appears to me that this is against The Fair Credit Reporting Act. If not why do we allow them to control our credit history and scores when they can not give the same score to every lender?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
When I called Social Security to secure an online account with them, they told me my information did not match what Experian had reported so I could not have an account. When I received my credit report from Experian, I found no problem. When I called Experian they said it was because my information had been merged previously with another creditor and when that happens Social Security will not give me an account unless I spend XXXX hours going to the Social Security office. 

It is ridiculous that I should spend XXXX hours ( 1 hour each way and XXXX hours waiting to get an appointment ) in order to straighten out a mistake the credit bureau made. Could you please look into this? Other people surely have the same problem because the credit bureaus are so fouled up.

Company public response: Company 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: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX for {$230.00} is incorrect. Insurance covers XXXX % since my daughter is on XXXX. It 's not my fault they never filed the insurance. Not to mention, I never received a bill for this. I 'm assuming it 's from where my daughter XXXX and her father was the responsible party at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a previous collection account with XXXX XXXX. This account was settled on XXXX/XXXX/XXXX and it was closed. As of XXXX/XXXX/XXXX i had a notice that there had been a hard inquiry on my experian credit report from XXXX, i contacted the agency and they told me that no one had ran my credit and my account was closed years ago. so they refused to help me. I contacted experian on the problem but they said that since it 's not fraud there is nothing they can do, i most contact consumer finance .gov and report them.. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are XXXX accounts on my credit report have morphed into XXXX. The XXXX original as late the XXXX collection accounts from the same people then the XXXX collections classified as late. Now I have XXXX late and XXXX collections from XXXX accounts. 
The original account was opened in XX/XX/XXXX with a CC processer. The original contract was for 3 yrs I closed it 51/2 yrs later. The XXXX contract was with the same processer ( unbeknown to me ( during that time I continued to pay the monthly {$10.00} statement fee ) ) This account was opened in XX/XX/XXXX. I then realized that it was the same outfit. The same company solicited my business then charged me a termination fee. 
I never signed personally for XX/XX/XXXX contract yet they have charged me. Only my XXXX # appears on the contract not my SS #. ( copy uploaded ). 
The same company has used at least XXXX different names, XXXX XXXX XXXX, XXXX XXXX, XXXX and First Payment systems. 
On my credit report, the charges are listed as a XXXX. There was never any line of credit between myself and these parties. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2016 I contacted Experian to re-investigate XXXX Bankruptcy entires on my credit report, 2 days later I received the results in the mail, not only is Experian still reporting wrong information. They re-inserted a Public record that was deleted XX/XX/XXXX. This proves to me that Experian is being very unprofessional and vindictive when they are caught reporting wrong information from unreliable sources. please investigate.

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 2016-04-13 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:
XXXX XXXX has reported me as charged-off, even though I have settled the debt for {$850.00} with XXXX. The account was not a charge off, but rather a settlement and I have attached all the cleared checks to show the total of {$850.00} was paid to settle the debt in full.

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
It shows I have had an adress in XXXX Washington and I have 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 explanation
Consumer complaint received 2016-02-18 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:
Inaccurate information reporting on my Experian and XXXX reports, this item was removed from my bureaus and now has come back from another collection agency as 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 2016-11-19 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:
I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.

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