vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeated notified Experian that they are reporting and or maintaining inaccurate information on my credit report for the following company 's and refuse to correct the information. 
1. XXXX XXXX - opened date of XX/XX/XXXX - account # XXXX. This account is reporting negative information that is more than 7 years from the initial date of delinquency of XX/XX/XXXX ( per the payment history shown on the attached report ) this information should be deleted2. XXXX XXXX XXXX XXXX opened date of XXXX this account is reporting inaccurate negative information. The payment history as listed on the attached credit report shows that in XXXX, the account was suddenly 90 days late with no prior late payment for XX/XX/XXXX or even XX/XX/XXXX. so its impossible to be sudden 90 days late. The information needs to be updated to show never late or the account deleted in its entirety. 
3. XXXX XXXX XXXX XXXX XXXX opened date of XX/XX/XXXX. account # XXXX. This account is showing 3-30day late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have notified Experian multiple times that this is inaccurate and provided canceled checks showing the payments were all made on time but they still refuse to correct or delete the information as required by law ( please see attached cancel checks ). 
4. XXXX XXXX XXXX XXXX - opened date of XX/XX/XXXX account # XXXX. This account as shown on the report attached shows closed and paid as agreed, never late but Experian is listing this as a negative account that was part of a BK. This account was closed and paid off before the bankruptcy was ever filed.. so this account should show as a positive account with no negative information or deleted all together. 
5. XXXX / XXXX XXXX - opened date XX/XX/XXXX account # XXXX with an initial delinquency date before XX/XX/XXXX and 150 days late as of XX/XX/XXXX. This account is should be deleted as its initial late payment is more than 7 years ago. 
6. University XXXX XXXX collection account with initial delinquency report date of XX/XX/XXXX should be deleted as it is 7 years old. 

XXXX XXXX XXXX - opened XX/XX/XXXX this account is 7 years past the initial delinquency date. 

I have repeated tried to contact and work with Experian but they will not investigate nor update the inaccurate information listed above

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am unable to dispute XXXX negative items on my Experian credit report that is 7 years old and more that should be deleted from my credit report. 
Experian Report Number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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 sent three ( 3 ) similar letters to all three credit bureaus, Experian, XXXX and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

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 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/2015 I mailed Experian a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Experian saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nair & Levin, P.C.
State: CT

Complaint narrative:
XXXX XXXX CLAIMS : Docket XXXX. 
In the year XXXX there was an eligibility error on the employer part the original debtor office was contacted by XXXX XXXX that claims are being reprocessed. No court date documents sent. I have been checking the website for any activity under notices. I received a failure to appear judgement which is totally incorrect NAIR & LEVIN returned date was XXXX/XXXX/XXXX, however they have been contacted by superiors at XXXX insurance that the claim was reprocessed. XXXX made the negotiable to the participating provider but then 5 years latter the money was recoupe due to an eligibility error. That error has now been corrected. Nair and Levin, ( XXXX, ct ) just jumped there guns when they were informed by XXXX once the archived information for XXXX claims recvd and eligibility updated the claims will be reprocess, and now they have sent me the entire bill which is incorrect saying I have a failure to appear when I recvd no such document. They took among themselves when the insurance company has been speaking with them. Docket XXXX. I have the XXXX when claims processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 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:
There is an apartment in my name but 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 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Experian to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong 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 non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I ( XXXX ) purchased a round trip ( XX/XX/XXXX to XX/XX/XXXX ) flight ticket for {$1300.00} to XXXX XXXX from XXXX using my XXXX XXXX credit card to visit my ailing father. 
I also purchased a flight insurance for {$82.00} to protect for 100 % refund incase of trip cancellation. Ten days later, I was advised of the XXXX in XXXX XXXX and called XXXX to cancel the flight becauseof the latest news of XXXX outbreak in the country I planned to travel. 
XXXX started to argue that the airline has to accept the cancellationfor a refund ... otherwise I will forfeit the payment made for the trip. Itold this agent that the transaction was made with XXXX and there is aninsurance coverage to cover full refund of {$1400.00} less {$82.00} ( insurancecost ). I explained to the agent that the trip to XXXX XXXX is prohibited for non essencial travelers according to State Department. I did not get a response from XXXX. I then called my credit card company, XXXX XXXX and denied the charge. The amount wascredited to my account while XXXX XXXX advised XXXX about mycomplaint. XXXX rejected my complaint and XXXX reinstated the costincluded monthly interest rate of 22.9 % since XX/XX/XXXX. I have objectedto the bill and monthly interest and sent a complaint letter ( Case No. 
XXXX and No. XXXX XXXX on XX/XX/XXXX with all records oftransaction including insurance coverage and warning from the nation 's CDCto not travel to XXXX XXXX has ignored my objection, and insteadcontinue to send me bills of outstanding payments, adding monthlyinterest, stopped the use of the credit cards and has sent bad credit recordthat has now created problems with me getting a loan to purchase a home for me and my family. see attached record of dispute. 
I request that XXXX XXXX be investigated for its abuse of consumer protection law and immediately clear all negative reports under my name, XXXX XXXX at all three credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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 do not owe a creditor having this name. 
This is not my account and I do n't know why I have a credit to them starting XX/XX/2016. 
Credit Items XXXX XXXX XXXX XXXX Account Number : 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 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX and Experian Credit reporting bureau continues to report inaccurate and outdated information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX has lied to many times. Most recently XXXX XXXX on a recorded line where they say their was an error on my report and they would be removing all the negative items. They will now not give me a a copy of that recording. It happened from XX/XX/XXXX to XX/XX/XXXX i purposely made them record that line. They have said it numerous times before as well. They have caused me to lose hours and hours of work plus made my home loan get denied. They are committing fraud. I want this removed asap and also compenstated for my lose of my home loan and also the numerous hours. I have been battling this for 3 years now.see attaced letter where they even state this account should not be reported as it is a business account get a copy of those recordings and the rep and supervisor both agree that the account negative reporting should be removed as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed the creditors XXXX XXXX and XXXX with Experian. They have the same account listed more than one time on my credit reports, which is against FCRA. I have contacted the organizations and disputed with Experian and Experian is indicating that the accounts are mine. Please know first of all these are fraudulent accounts and if that is n't bad enough they have the same XXXX account from each organization listed more than once on my credit reports. So again, they have the same XXXX account for XXXX XXXX reporting two or three times and XXXX is reporting two or three times, same accounts. If they review they can see that they have these accounts listed more than once. The XXXX account belongs to XXXX XXXX, I never signed or was aware of the account until viewing on my credit reports.

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 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per the credit report attached, a payment arrangement was made via XXXX on behalf of University XXXX XXXX. The first on-time payment was made XXXX/XXXX/2016. The next payment scheduled is on XXXX/XXXX/2016. 
In reviewing my credit report Experian has reported late payments in XXXX and XXXX 2016 is incorrect. 
Upon reviewing my credit report, I contacted XXXX and was told they did not report this information to Experian. So Experian has to correct immediately!

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 2017-01-23 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:
XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, 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 2016-01-24 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: TN

Complaint narrative:
I was putting my information in to Experian for my free review. Once I submitted the information the site stated that they had a technical issues and for me to exit the site. I was n't given the chance to review the results later or through the mail. Even though it was an error on their side, because I attempted to get the results I have to wait a year for the free report again.

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 2015-05-15 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:
The debts listed are grossly inaccurate or not mine at all. Please investigate these items and SEND ME THE CONTRACT BEARING MY SIGNATURE of me obtaining these debts or remove them. 
( XXXX Items Total ) Please investigate these items, delete and remove them immediately within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome. Thank you for your time and consideration in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04 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:
Experian is continuing to report collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that do not belong to me. I have disputed the items with Experian but they were not removed. I have contacted the debt collection companies directly and let them know the accounts are not mine. I asked XXXX XXXX XXXX and XXXX XXXX XXXX to verify the accounts but they never did. The accounts are lowering my credit score which causes me to miss financial opportunities as well as lose job opportunities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Despite my several disputes, Experian has failed to verify several items on my report. The items still remain on my credit report which is in violation of the Federal law. They have failed to send me copies of the documents that they used to verify accounts for XXXX, XXXX, and XXXX. Supervisor XXXX stated, that is not there responsibility but it is the consumers responsibility, and refuse to remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 've disputed these XXXX reportings from XXXX XXXX XXXX numerous times. All XXXX reporting accounts erroneous. Account Status Inaccurate/Should n't be a " Past Due '' balance on a collection. Not to mention no true validation for these accounts has been provided and Experian says that the accounts were verified. Please see attached documents of these erroneous accounts.

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