vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I been trying to communicate with Experian for almost a year to update my personal information with them. I emailed them, I wrote to them and even tried calling them. I want to inform Experian that I been married now for over two in a half years and they need to update my maiden name to my married name, as well as my home address. How can I get them to update my personal records ( name, address, etc. )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.

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 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing with the Experian company for months now regarding the Validation of an account with XXXX XXXX. I am disputing that this account is being reported inaccurately and on those ground I would like experian to immediately stop reporting this account. when I have ask to reinvestigate Experian advises the account is correct and tells me not my inquiry is frivolous. Here the issues, that I am disputing which according to the credit act if information is not complete, inaccurate, or proof cant be provide it should be remove. On all three credit reports there are discrepencies, The dates that the account is open some reports say XXXX/XXXX/98 others say XXXX/XXXX/98. None of the credit bureaus have matching reporting dates while XXXX XXXX has no reporting dates. I reached out to the creditor and they advised that they were not able to provide me with the original date of a sign contract proving that i sign up for this account. So how was Experian able to validate this account with all these missing pieces. I also have file claims regarding identity theft and still Experian is not looking into just sending me a form letter stating they wo n't review it. i have sent them numerous correspondences with return receipts. My request is for Experian and all other credit Bureaus to immediately stop reporting this account due to the inaccuracy of reporting that is causing me not to get approve for credit,

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 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my second time trying to fix a error on my credit report. Experian has a account on my credit report 3 times same account numbers also account XXXX account number XXXX. That is a violation of FCRA please help me fix is error. Enclose is proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have dispute the information with the XXXX credit bureaus to no avail, and they will not remove this item from my report. I have submitted a letter from the acutal creditor stating the account is closed and they will remove it. The credit bureaus will not update my reports to remove this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The creditor named on my credit report, does not own the debt and can not offer me any means of satisfying or paying the mentioned line item or debt. This is illegal. Any company who lists a line item on someones credit report, MUST BE the company that can accept payment or other means of satisfying the debt. how can i fix something, if they do not offer me a means of doing so. Creditor Name is a VERY IMPORTANT THING lol this is not to be taken lightly. This would be like naming the wrong person in court, the case would be immediately dismissed. The wrong creditor name is a very important part of the terms of the mentioned 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 non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX experience and XXXX and all other national credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent in several documents from the IRS proving my innocence. Experian is only saying they will not look at any information unless it is a super specific verbiage from a court. The IRS has told me several of the documents would clear my name, as the other XXXX agencies have already done, and that if they do not accept this last XXXX, they can take legal action against them. This, along with the other XXXX forms, completely prove that this lien is solely my grandmothers and I have no association with it. They denied this paper this morning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Io, Inc.
State: TX

Complaint narrative:
I am contesting the accuracy and completeness of information contained in my consumer 's file at my credit-reporting I am requesting a reinvestigation under the Fair Debt Collection Practices Act, 15 U.S.C. 1681i. and this agency is not answering as they should : Receivables Management Systems located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX E-mail : XXXXXXXXXXXX Phone : XXXX - XXXX - XXXX XXXX : XXXX The information I am contesting is a claim for health care services and/or supplies provided by patient first in XXXX VA dated XXXX 2015 alleging late or non-payment by me. I have enclosed information from the Department of Defense, XXXX XXXX XXXX, which explains the Government 's role in the delay in payment or payment of less than the billed charges. I request that you reinvestigate this matter and delete the negative information from my consumer file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed the accuracy of the Chapter XXXX Bankruptcy listed on my credit report since the information is not correct. I disputed the information ( entire record ), and it came back verified. My initial dispute was online, so I thought possibly a letter would garner better response. That is not the case. Shortly after my dispute was verified, I mailed a request to Experian to provide me with the method of verification and supporting documents they obtained from the bankruptcy court to validate the debt that would permit it to stay on my report ( as I was requesting it be deleted ). I did n't receive any response to my first letter, however, I failed to make a copy of any postmark that would substantiate I mailed them something. On XXXX/XXXX/15, I called Experian at XXXX and spoke with a dispute representative, XXXX. I requested the verification information again and he said that Experian would have called the court directly to verify the information ( since I had intimated that I knew the information was verified through a third party database, and not the original creditor ). He said he could not provide me with any verification documents as Experian is not required to provide that to the consumer. I told him I would be sending another letter to get the documentation that verifies they disputed the information directly with the original creditor, as well as going to the CFPB with a complaint since they ( Experian ) are not in compliance with the FCRA and since the record was not verified with the original creditor and, therefore, it must be deleted from my report. 

Prior to mailing the XXXX/XXXX/15 final letter requesting verification, I called the Bankruptcy court in XXXX XXXX NJ as a final check of all of the information I had gathered at XXXX. I asked to speak with the person who verifies credit reporting information to the XXXX bureaus. The person told me that court does not get involved in disputes and certainly does n't verify any information via the phone. She confirmed that any information reported about a bankruptcy to a person 's credit file is done through a third party system which does n't even list complete socials. She said verification is just not done by the courts ( via phone, letter, etc ). She said it would require the case to be re-opened to release any information and she hung up. 

I called myself to verify the information and I was not able to. I was flat out told by the original creditor that they don't/ wo n't verify credit report listings. I am trying to understand how the inaccurate/unverifiable record can remain on my report for a number of years? Please find attached my latest letter to Experian in an effort to have the listing removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and XXXX 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I submitted my complaint with Experian on XX/XX/XXXX for the XXXX time. When I pull up the case number my dispute does not appear and it will not let me dispute again. I have tried to call Experian during business hours, but the message states they are closed. 
The problem began with XXXX in XXXX XXXX in XXXX when they reported that I had XXXX late child support payments. I was XXXX military during this time, and the payments were automatically deducted from my pay. I learned of this negative information after returning from a XXXX in XX/XX/XXXX. I had tried to resovle this with XXXX & Experian around this time, but I was told the information was correct on their end. I recently uploaded the supporting document from XXXX ( XXXX pay ) to show Experian that I was never late and payments were deducted. XXXX & Experian have been negligent to correct this information. Please help me, it has been on my credit report too long. XXXX & Experian need to take responsibility for reporting incorrect information. My insurance rates and rental deposit rates have been higher, and my credit score has not improved as a result of this incorrect information listed under the negative items area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not familiar with XXXX Acct # XXXX XXXX I never apply for this kind of credit Look like some one do FRAUD

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 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian about three weeks ago disputing several items on my report. Today I received a notice from the company indicating that my credit score and worthiness changed. This is from the same companies. This is the same for the other XXXX 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
Consumer complaint received 2017-02-14 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:
They are not verifying or updating my the accounts they just keep writing me back saying they have been verified. I 'm asking for original contracts, and they just keep sending credit reports. Some of the collection agencies have even written me saying they will no longer be reporting or asking for anymore money from this point on, but nothing is being updated.

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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently filed a complaint with XXXX concerning XXXX XXXX. This complaint is against Experian. 
XXXX XXXX has placed another inaccurate post on credit report with Experian after it was disputed and successfully removed from my Experian credit report. 
Experian re-posted the inaccurate information on my credit report after they review and removed it.

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 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have filed a total of XXXX disputes with this credit reporting agency. The XXXX other credit reporting agencies HAVE corrected or removed errors. The third ignores my disputes as well as proof I have sent them of their errors on 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 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is a judgment on my Experian credit report that belongs to my father, and I have no association with the debt whatsoever. We have called the General Sessions office, and they do not have any information of mine associated with the judgment. However, when I disputed the judgment, Experian did not remove it and verified it as mine. The judgment is not showing up on any other credit reports because it does not belong to me, and I just want Experian to remove the incorrect information from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management
State: TN

Complaint narrative:
Fox Collections has refused to provide enough information for me to certify this debt belongs to me. I requested Validation of this debt ( Acct # XXXX XXXX ) and my letter was received by Fox on XXXX XXXX 2015 by certified mail. Fox sent me a letter stating that they had verified my name and address ... nothing else sent. I have attempted to contact the original creditor on file, but they are now out of business and the new company is not servicing their old debt, nor has any record of it. 
Validation request was dated XXXX XXXX 2015 and Fox received it on XXXX XXXX 2015 ( see validation letter attachment ). Fox 's response was received XXXX XXXX and contained no detailed invoice and simply stated my name and the amount owed ( see attached evidence ). After speaking with the representative on the phone I was informed to sign and send in the authorization form at the bottom of the letter they sent. I did so on XXXX XXXX and still have received nothing in the mail. While speaking with the representative I located what I thought might be an EOB relating to the debt in question. The Fox representative and I both agreed that it was not and this EOB did not relate at all to the debt in question. I sent in a second validation letter dated XXXX XXXX 2015, received by Fox on XXXX XXXX 2015 at XXXX ( see attached USPS return receipt and XXXX validation letter attachment ). I have yet to receive a response to this letter. After reviewing Fox 's response and evidence to my XXXX complaint I can only concur that I was correct in my initial evaluation of this alleged debt not being mine because they can not provide me with further details from the actual company. The attached evidence that Fox provided on the XXXX website is from there own files and not the alleged original creditors ' database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 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 applied for a credit card with XXXX XXXX. I was denied because my address did not match what was on my credit report. Then I tried to get my credit report and could n't get it online because the security questions were n't mine. I feel I am a victim of credit fraud. What ca I do to prove I am the rightful person to use my Social security number?.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 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: FL

Complaint narrative:
I have been trying to obtain a copy of my credit report for years to no avail. They ask you a list of questions, and if they have the incorrect information, they deny you a credit report. The information that they have is incorrect and I know why it is incorrect. The problem is that even if the information is incorrect, there is no one to speak to about it. When you call, you receive an automated voice message telling you to send personal information through the mail. I was just ripped off by the postal service last year. Out of XXXX boxes, the only XXXX that were missing were the insured boxes. They stole XXXX books that were supposedly insured. When I submitted a claim for them, I was denied any compensation, nor did I ever recover any of my books. I was not even compensated for over XXXX dollars in postage. And they want me to send my personal information to them through the mail! I would like the free copy of my credit report that I am told I am entitled to. How can I dispute anything on the report if I ca n't even see the report? The whole process is asinine.

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 2015-05-12 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 disputed XXXX address on my credit report. Experian said the addresses were removed and that my credit report only showed my current address. However, the following week I called Experian on XXXX/XXXX/15 only to XXXX that they did not remove the addresses that they claimed were removed.

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