vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FILED Chapter XXXX bankruptcy in XXXX. The Chapter XXXX plan was NOT CONFIRMED and was DISMISSED by order ( attached hereto ) of the Bankruptcy court in XXXX. Nevertheless, Experian Credit reporting agency continues to report only the Bankruptcy filing and the dismissal. It does not report the fact that there was NOT a confirmation of the bankruptcy filing as based on the Order of the Court. The Experian Report is incomplete and therefore inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX, XXXX and XXXX, XXXX have been reporting incorrect information to credit bureaus. My credit scores have gone down and I am not getting approved for housing loans. No credit increases approved nor any new credit cards granted. Credit badly hurt owing to irresponsible reporting. Several letters wrote but to no avail. XXXX and XXXX would not submit proof that the alleged debts belong to me. Legal letter sent a couple of months ago but to no avail..

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 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc.
State: CO

Complaint narrative:
I have requested through my current lender that I would like the PMI removed from my current loan and have had difficulties in getting this resolved. I finally received a letter from them and it required me to pay a {$470.00} fee for an appraisal. I paid this fee and have waited and just received an email stating it will now cost {$1400.00} for an appraisal to see if the value on my property has increased to remove the PMI. This is not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX/XXXX/2015. I have no knowledge of what this is.

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 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1-EXPERIAN refuses to investigate ACCOUNT XXXX, XXXX ( proof attatched ) 2-account does not display a correct DOFD, ( date of first delinquency ) 3-account does not contain fall-off date, experian reports the date assigned to collector, as a result experian has re-aged account 4 experian has included their statement that account is reporting according to FCRA when on the face of the record that statement is proven false. 
5-account was paid off XXXX/XXXX/16 for an amount in excess of collection amount XXXX ; in CALIFORNIA it is illegal to charge any collection fee that is undisclosed in original contract ... .violates debt collection law. 
6 account history shows in collection in XXXX 2016 when was paid XXXX XXXX 2016. 
7 according to fcra creditor was required to send dofd within 90 days of reporting not years later XXXX amount and date are not shown on report ( not reported ) 9-experian no longer has 30 days to investigate or remedy since they have verified falsely and conclude the specific dofd investigation. 
10-applicable fcra law is attatched here regarding dofd violations by experian

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 2016-01-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Pacific Home Loans, Inc
State: CA

Complaint narrative:
We received a letter dated XXXX, 2015 that the buyers of our property were pre-approved for credit with Pacific Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( XXXX ) XXXX. 
The buyers XXXX XXXX XXXX XXXX agreed to purchase our home, and we went into a 60 day escrow, starting XXXX XXXX, 2015. At the end of escrow, we were informed that they did not qualify to purchase. We moved thinking escrow was over in XXXX, which our realtor XXXX XXXX XXXX said they had heard nothing, that the escrow was going as planned. The buyers are now backed out, and are not paying the EMD deposit of {$3500.00} to us. We now have to pay all the bills for XXXX places, which is unfair. XXXX Home Loans should have let us know before escrow ended. We would not have had to move so soon. 
The property address that they were purchasing is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are still trying to sell the home. We would like to file a complaint against XXXX XXXX XXXX & request they pay us the {$3500.00} that was due to us. If not, we will be forced to file a court case. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed with Experian an entry on my credit report for XXXX XXXX XXXX. I have also disputed it with the company, XXXX XXXX XXXX to no resolve. I became aware of the entry when I was denied credit a few months ago. I was not aware of this debt. Since my original dispute, XXXX XXXX XXXX updated on my report that they received the account from XXXX XXXX XXXX. The inaccuracy in my report is that XXXX XXXX XXXX is not reporting the correct 1st Date of Delinquency. My account became delinquent with XXXX XXXX XXXX in XXXX 2010, which means that XXXX XXXX XXXX should be reporting the same delinquency date if they are stating they own the account. I have never paid them anything and just find out they owned the account a few months ago after applying for credit. I have communicated with Experian and XXXX XXXX XXXX with no resolve. XXXX XXXX XXXX continues to say they are researching the information while continuing to report inaccurate information on my report. Experian states that they investigated and verified but neither organization has provided me with anything from the investigation. I submitted correspondence to both. I have enclosed letters that I have sent and a copy of the report I am referring to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Denied for a credit card because XXXX ca n't verify my address. Experian has me at the wrong address. Tried their online dispute form twice, both times it says they ca n't allow access. Tried calling during business hours, waited for " next available representative '' for 30 minutes, then had to go back to work. It is impossible to get this company to address a problem they created. And they charge {$10.00} to lift a security freeze that will expire before I can get them to fix the problem!!

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 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me 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 explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX with Experian. Experian investigated the account and sent me the results that XXXX XXXX XXXX XXXX " remains ''. My Experian credit report shows ; " the date opened is listed as XXXX XXXX ; the account is scheduled to continue on record until XXXX XXXX ''. I was a victim of fraud and do not have any information on this alleged debt. I do not believe this alleged debt should be on my Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
experian refuses after numerious dispute attempts to remove XXXX XXXX XXXX and XXXX from negative accounts in the credit report chapter XXXX bankruptcy discharge papers were submitted in addition to student loan deffermen/tforberance documentation. ( XXXX, XXXX, us department of education ) experian will has refused to add account into satisfactory accounts/accounts in good standing.

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 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have submitted a dispute to Experian 3 times stating that I have never lived at the address being reported, and it still has not been fixed. Any time I log in to check the status, it does not even say that it is under review. An additional complaint is that I logged in about 20 minutes ago to check it, it had n't been changed, so I came to CFPB to submit a complaint. I started the process, then thought maybe I would try one last dispute before I complained, but now when I try to log in, it says " We are unable to allow access to our online dispute service '' and because of privacy reasons they " can not provide a specific reason '' why. I have a feeling, though, that they were alerted that I started a complaint, and blocked my access. So I 'm back at CFPB to file a complaint over the simple manner of an incorrect address that they would not resolve on their own.

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

Complaint narrative:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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: ID

Complaint narrative:
After being denied credit I requested my credit report from Experian but they say they can not give it to me.

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 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX XXXX and XXXX in my credit file. Experian responded to my complaint filed XX/XX/2015 and stated that " The FCRA allows for the length of time information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for seven years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.

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

Complaint narrative:
I rented a residence from XXXX XXXX in XXXX MN. the rental payment was {$1100.00} per month. The property was located at XXXX XXXX XXXX XXXX MN XXXX. I rented the property from XX/XX/XXXX through XX/XX/XXXX with no late payments or other issues. XXXX XXXX informed me that that have an agreement with Experian Rent Bureau to report all rent payments on your credit report. However, the information is not showing up on my credit report. I called XXXX XXXX and asked if they could report the information and they told me to file a dispute with Experian Rent Bureau and they would verify the information and it would be reported on my credit report. I filed the dispute and Experian Rent Bureau told me they do n't do that they only monitor credit. They also said maybe when renters warehouse set up my account they did not click the button to submit my information. I reached out to XXXX XXXX again and they gave me the same information. Both companies are telling me its the other companies responsibility to report. I just want the positive credit information reported. If they are unable to report then they should remove any negative items, that seem to find a way on to the credit report very easily. This would significantly improve my overall credit score. I attached the emails back and forth between myself and renters warehouse. I have been trying to resolve this issue since XX/XX/XXXX. The contact information for XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX. I attached all the supporting emails.

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 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I call credit bureau to dispute acct that 's on my file that 's not mine acct XXXX XXXX, and XXXX And XXXX, XXXX XXXX and the repasentive told me that he was n't gon na file a dispute for these items his name was XXXX I told him I have had identity theft on my file he refused to file a report I was told I need to deal with creditor on my own I do n't think it was fair.

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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX and XXXX also has the BK reporting incorrectly. Experian does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : 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 2015-04-17 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: VA

Complaint narrative:
When I type in my personal information I always get an error message saying the information does n't match the information XXXX

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 — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
1. All XXXX agencies, Experian, XXXX & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the infomration on credit report regarding XXXX XXXX XXXX times with Experian credit reporting - the 7 year statute of limitations has expired. Yet, Experian will not remove. They have consistently continued to respond with a statement that the account was updated and left it on the credit report. Additionally, XXXX XXXX continues to submit the same infomation to Experian on a monthly basis ( last date of submission XXXX/XXXX/2016 ).

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 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have called and faxed Experian stating they are not reporting a mortgage and credit card that I have, they are the only credit reporting company out of the XXXX credit bureaus not reporting those XXXX tradelines. It has hurt my credit scores. I want them to report them, I called XXXX XXXX XXXX and XXXX bank and they stated they report to all XXXX of them and its an issue on Experian side. Please add these tradelines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX Double XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; XXXX, XXXX and Experian contacted the creditor, XXXX XXXX XXXX. Instead of correcting the account record, on XXXX/XXXX/2016, XXXX put my account into delinquency till a Law Firm I engaged complained XXXX improved the account on XXXX/XXXX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX XXXX XXXX account as proof that I owe them no monies as of XXXX XXXX, 2016. XXXX should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XXXX XXXX, 2016 on payment in full of balance then.

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