vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed bankruptcy in XXXX and it was discharged in XXXX XXXX, My home is Charged Off in XXXX. First XXXX XXXX stated I did a short sell of my house but I am still living in it. Now XXXX XXXX is claiming that my house was charged off in XX/XX/XXXX, which is causing me problems opening up a business account and/or getting a mortgage. I have sent all XXXX credit bureau proof that XXXX XXXX was sued for lieing and filing false statements on people credit reports. Experian sent my a letter stating that they will do their own investagation, but it is still on 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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian investigated the bankruptcy on my credit report but did not provided information on how they verified this debt. They have not provided he source and I know what do to other issues on my report I have frozen my lexis Nexis report. I do n't believe they actually researched this item. I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from Experian verified anything in regards to my credit file & that my XXXX XXXX file is been frozen. I also contacted the XXXX XXXX XXXX on the same day & was also told that NO ONE from Experian verified any type of bankruptcy. I can provide documentation show I have a closed XXXX XXXX account if needed. But I would like this credit agency to provide proof as well. Rest assured that if Experian does n't comply, I 'm fully prepared to move forward with a lawsuit that 's in accordance with the FCRA & other 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 explanation
Consumer complaint received 2016-08-28 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: WI

Complaint narrative:
I SUBMITTED MY REQUESTS TO XXXX AND EXPERIAN USING THE ANNUAL CREDIT REPORT REQUEST WEB SITE. BOTH SITES HAVE REJECTED MY ELECTRONIC REQUEST. EXPERIAN STATING A CONDITION EXISTS THAT PREVENTS THEM FROM ACCEPTING MY REQUEST AND TO MAKE MY REQUEST BY MAIL. XXXX HAS REFUSED MY ELECTRONIC REQUEST FOR YEARS. I COMPLAINED ( XXXX ) A YEAR AGO AND RECEIVED THE XXXX CREDIT REPORT DATED XXXX XXXX, 2015. I DO NOT UNDERSTAND WHY I CAN NOT DO SO ELECTRONICALLY. IF THERE IS SOME SORT OF ERROR IN THE FILE PREVENTING ME FROM OBTAINING THE REPORT, I HAVE NEVER BEEN GIVEN AN OPPORTUNITY TO CORRECT IT. I PREFER TO MAKE MY REQUEST ELECTRONICALLY USING AN ENCRYPTED WEB SITE RATHER THAN SEND MY PRIVATE INFORMATION THROUGH THE MAIL. MY REQUEST IS TO RESOLVE THE MATTER AND BE ABLE TO REQUEST MY REPORTS ELECTRONICALLY.

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 2015-04-29 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: NC

Complaint narrative:
unable to get a credit score have all positive items on my credit report. my score should be high. there is no score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I found a medical debt on my credit report and called the collection agency in charge of my debt, I.C. System Inc. I had to call several times over the course of the week before I was finally provided information on my account. I was told that my account was sent to a lawyer, which was never disclosed to me. I was given a phone number ( which turned out to be a cell phone ) and a name, along with an account number. From that point, I attempted to contact the said lawyer. I called and called and always get sent to a " ghost '' voicemail. I never receive a call back. When I called I.C. Sytems to explain the issue and my desire to settle this debt, the only information they were able to give me was the same information I already have. I am a consumer making a strong attempt to settle a debt that no one has information on. This debt effects my credit score every single month. I am tired of the company shrugging their shoulders at me. I would like to settle my debt to better my credit score so I can buy a home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Below is the email sent to the office of the Attorney XXXX XXXX XXXX of XXXX, XXXX. of XXXX XXXX XXXX Indiana XXXX XXXX : " Good afternoon XXXX XXXX, I received a letter from you in the mail on XXXX/XXXX/2016 with regards to the unmet obligation from XXXX Hospital in the amount of {$86.00}. 

I would like to refer you to the letter from XXXX XXXX XXXX dated XXXX/XXXX/2016 informing XXXX Hospital that the above named company is 'the claims administrator for the State of Indiana 's Workers Compensation self-insurance program and are handling ... .. the claim ' and that 'as this is a worker 's compensation claim, please mote that XXXX XXXX is not responsible for any payment related to this ... medical treatment. ' According to the information received from XXXX XXXX XXXX, the billing was unable to be processed due to lack of XXXX XXXX form including the dates of services, diagnosis and XXXX codes, Tax ID number and itemized charges. 

I am positive that once the required information is provided by the XXXX Hospital, this issue will be resolved. 

Thank you for your cooperation. '' After this mail was sent and mailed to the office of Attorney XXXX XXXX XXXX of XXXX, XXXX, there was no correspondence from the above company in the form of letter, phone call or email. I had assumed the issue had been taken care of as promised by the company until i checked my credit report and found out that my score has been further downgraded. I have always pay my bills on time. This downgraded credit report has been affecting me gain employment. 

I implore you to please assist me in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
NO RESPONSE FROM CREDIT BUREAU PAST 30 DAY TIME LIMIT it is now 3 months. 

I sent Experian a letter that was received by them on XXXX ( delivery Confirmation attached ) in which I was disputing several items that did not belong to me due to them having someone else 's social security # listed as mine. The issue that is raised here is that I disputed a ( JUDGEMENT Item # XXXX in attached dispute letter ) since it does not belong to me. I never received a response from Experian pertaining to this Judgement, just everything else ( See EXPERIAN dispute RESULTS ) By law they had 30 days to complete the investigation, nothing was done or a response sent pertaining to the item in question. It is now considered NON COMPLIANCE XXXX XXXX Code XXXX of the FCRA. 

By law Experian should have taken one of these procedures but due to Willful NON COMPLIANCE they did not use either procedure ; -Should have re-investigated this Item within 30 days since new proof was submitted showing someone else 's Social security # as being listed on my report. No later than 5 days after the re-investigation was complete they should have contacted me. No response on judgement only other items. FCRA 611 ( 15 U.S.C. 1681I ) Subsection ( a ) ( 1 ) - Experian determines that consumer dispute is Frivolous or irrelevant they must contact consumer within 5 days from time of determination of dispute being frivolous or irrelevant. No response was received for this either. EXAMPLE OF THIS OCCURING PRIOR INVESTIGATION WITHOUT NEW PROOF WOULD RESULT IN DISPUTE BECOMING FRIVOLOUS OR IRRELEVANT & lt ; NOT IN THIS CASE. 
FCRA 611 ( 15 U.S.C. 1681I ) subsection ( a ) ( 3 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
there are items on my credit report from XX/XX/XXXX, XXXX, close to XXXX plus years and Experian refuses to validate the debt or information, their response is, - ou have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 

** There is also an account from XXXX XXXX and per Experian, they will not reinvestigate the account becuase it was validated in XX/XX/XXXX, over 7 years ago. The exact wording is - This item was updated from our processing of your dispute in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit reporting agency to still be listing this account.

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 2016-04-26 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:
Attn : Experian : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.

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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is falsely reporting that I filed a Chapter XXXX bankruptcy and obstinately refusing to delete XXXX accounts from Bank of America that they are wrongfully reporting as discharged in a Chapter XXXX bankruptcy. This is damaging a mortgage application I have pending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While attempting to purchase a home, I was informed that I had an unpaid account balance at XXXX XXXX XXXX. Because I never had service with XXXX XXXX XXXX, I immediately went into the local store. While at the store, I was told that there was a balance on an old XXXX account that I no longer have and that was ultimately turned over to XXXX XXXX XXXX. In the interest of resolving the issue so that I could complete my home purchase, I immediately paid the balance. However, shortly afterwards, I learned that a collection company/XXXX of XXXX had placed a collection on my file for XXXX XXXX XXXX. In response, I informed them that the situation had been rectified and supplied a copy of my receipt. However, they will not remove this inaccurate information from my account. 
I am a XXXX and my wife an XXXX. We have worked for the public good for almost 30 years each. At a time when we are finally trying to make a home purchase using my VA loan, I 'm faced with this dilemma. I really need some help in getting this resolved so that I can return to the home buying process. I need this error removed as soon as possible. I am uploading a copy of the receipt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A local credit union XXXX XXXX, was offering 2.3 % on a five year CD. Who could pass this deal up? Went down to the grocery store where they have a cubicle to sign up. We had CD 's here in the past so they still had most of our personal information. Near the end of the Q & A signup process we were told that they need to check our credit even though we were former customers and were making a substantial deposit. So ok do it. Well we had placed a credit hold with Experian when our health insurer XXXX followed then by Experian, keeper of the XXXX information, were XXXX recently hacked. It does n't matter if you are a CD purchaser, no credit check, no new account. Back home again we lifted the security hold after paying Experian their {$10.00} ransom fee for doing so. It seems logical to me that when our data was compromised that the smart thing to do is place a hold on our credit. It is even more logical that if there are any charges for doing so the company or companies where your data was hacked should be financially responsible for everything. All we see happening is they lay off their liabilities to some " insuring '' agent who then says if your ID is stolen they will work with you to fix the problem. Gee thanks, but I think the company who allowed our information to be compromised should ultimately have total responsibility and should be subject to substantial Federally imposed penalties for allowing our information to be stolen in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I submitted a dispute via mail to a credit reporting agency regarding a debt that was recently deleted due to time of statutes, being placed back on my report by the original creditor. I verified that the First Reported Date and Date of Status were incorrect and being falsely reported, to include missing payment history that would verify the history of the debt. The debt was an auto loan that was charged-off in XXXX after it was repossessed in XXXX ; there was a past due balance that I was unable to completely payoff due to financial hardships, in which the account was sent to a collection agency, who attempted to collect the debt. The collection agency attempted to collect the debt after the debt had been removed from my report, and indicated in its correspondence on XXXX XXXX, XXXX, " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency ''. That was the last correspondence received, in which I never replied. When I checked my report in XXXX, I realized the original creditor ( not the collection agency ), placed the debt back on my report. I recently received what is supposed to be the results of my dispute, in which the credit reporting agency indicated changes related to the account are on the report, and can be identified by it being flagged as updated. My report was not changed, there was no flag to indicate the debt reported was updated, and they left everything exactly the way it was. In my dispute letter I requested verification of their investigation if the creditor attempted to indicate the debt was accurate, because I wanted to see what proof of what they supplied to indicate the false dates they were reporting. I also did not receive this from the credit agency. I am seeking for my report to display accurate information in accordance with the fair credit act and statutes of limitation on credit reporting and debt collection. 

Kindest Regards, 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 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian will not remove incorrect tax lien information after submitting affidavits to them files with the IRS and state franchise tax board nor will the investigate. They have told me that the information has been " verified by the county clerks office '' however that is not true. It is well know the Experian uses a third party paid service. Either way I have submitted several affidavits to let Experian know. I have attached prof of delivery. I am awaiting the one from the IRS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.

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 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My mom 's name keeps getting attached to my credit report because it 's similar, need to remedy that

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 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:
Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 
On XXXX XXXX, 2015 XXXX reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Experian to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Experian with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, TX and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. 

Thank you and Happy Holidays. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been challenging the inaccurate and incomplete items in my file with Experian to no avail. It has been a long journey but now I am stuck not knowing what else to do. This inaccurate and Incomplete information in my report is causing me harm.

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