vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have an item for XXXX XXXX on my credit bureau report. 
I recently disputed this account with Equifax, and the information was reported as verified and accurate. I 'm sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 
If they were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that they send me an explanation of the methods used, and a description of the records reviewed, when they conducted the investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I would also like to know the person whom they spoke with if this was done over the phone. I am attaching information from another credit bureau, showing this same debt was included in a bankruptcy that was discharged XX/XX/2010

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have negative items on my credit that doesnt belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17 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: PA

Complaint narrative:
Tried multi computer, differenet browers, different settings over many weeks but always get this message from Experian. 
A condition exists that prevents Experian from being able to accept your request at this time

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 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Case number : XXXX - Your response was unacceptable, not to mention asinine! What do you mean not specific enough. Let 's review this again. 
1. ) Experian has a phone number on their website to call they advertise you can get to a live agent ; but, you can not. False advertising - specific enough? 
2. ) XXXX of the security questions from their public record IS WRONG! The make and model of my first car. XXXX ; t you think I would know the answer to that? They have it wrong, whatever it is and it needs to be changed! - Again - specific enough? Now, please refer back to my original escalation ( XXXX number : XXXX ), reopen it and forward to Experian and hold them accountable.

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 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Experian explaining to them that this collection account does not belong to me. Experian sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Experian needs to delete it 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 2016-08-03 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:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX and I'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they don't provide anyone with debtor's full social security number and they don't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I'm requesting to have it removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
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 requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
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 2 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 one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX. Credit bureau service is reporting another ladies information on my report. XXXX XXXX XXXX. I would like her information moved of my credit report at once. I have great credit and is obvious this XXXX XXXX XXXX does not. Her dob does n't match dob. Her social security does not match mine. This is hurting my credit. Just because the worker are to quick to put info in get a job done. That they are not paying attention to the information. Please get XXXX XXXX XXXX of 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 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi, Like many other posters on consumer affairs.com, I signed up for the one time credit report from Experian.com. I then got charged {$20.00} a month for the next 6 months and the same when I checked my husband 's credit. Granted, I should have cancelled and checked the fine print. However, I do n't recall seeing the {$20.00} a month when I signed up. I never received any email credit alerts and when I noticed the charge again on my credit card this month, I called the company. I explained that I understand the terms and did n't mean to sign up but I did. They can see that I did not use the service but would not bend on any refunds. What really sparked me to write the review and not just chalk it up to my failure to cancel or read small print is the robotic response I got. I called today XXXX/XXXX/2016 and the next month is for XXXX/XXXX/2016 and they would not even cancel that. I called 3 times and they repeated sorry it is nonrefundable like a robot. I expressed my anger and the fact that I would eat the {$240.00} which I have nothing to show for but they ca n't even bend on the last {$20.00} charge. They have no concern for customers at all. Most companies will bend a little. I would have been happy if they said yes, we will give you the {$20.00} back but sorry about the rest as it is non-refundable but there was no give at all. Only greedy greedy take. The worse part is I did n't receive anything for this money. Lucky, I can afford the loss, but I wonder how many other people get ripped off like this and a ca n't afford it. 
Please pass a law requiring more details in the fine print or monitor this greedy lack of customer focused company. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I closed out my credit card account with XXXX XXXX bank but they reported that I was delinquent in paying starting in XXXX XXXX. I asked them to close my account in XXXX but they did not and reported me as delinquent instead. I attached a letter from XXXX XXXX Bank stating I have a {$0.00} balance and the account is closed

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 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with XXXX and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name : https : XXXX Thank you in advance for helping me get these removed 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 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Received this in my email today ( Unable to apply for a XXXX loan at this time ) I never applied for a loan. This " so called company that calls itself XXXX " does not exist and is a SCAM!!!! They indicated my EXPERIAN SCORE was XXXX which is false. I do NOT want them to touch my credit. Please investigate this illicit activity. Experian purposely make it almost impossible to get through Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have located an incorrect late payment from XXXX XXXX Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While checking my credit report, I noticed unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015, on XXXX.I did not authorize anyone employed by XXXX initiate an inquiry on my behalf.XXXX has seriously violated my privacy Act and FCRA Sction 16:1b ( c ) .I personally contacted XXXX to informally resolve this matter but they denied my request without any evidence allegedly that I made the applications on line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 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:
This is a case in which my ex husband was still covered under my medical insurance, but saw a doctor after our divorce and the delinquent bill is being reported under my name. His current address is also being reported on my credit report in which I have no affiliation. I have requested the removal of XXXX items twice and Experian has not done it nor have they provided me with the reason why. XXXX XXXX did remove all information but I continue to fight with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I wanted to get in contact with you guys because i were tryana to open up a checkin account with my bank and i couldnt becasue someone messed uo my credit getting things in they name steal my idenity. I just turn XXXXyears old XXXX XXXX. 2015 theres no way i could of got things in my own name i was a minor at the time they got things in my name i need my credit score cleared.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX credit card account that was charged off on or round XXXX 2010. XXXX XXXX has been reporting to all the credit reporting agency every month with a increased amounts every month. Since XXXX XXXX has stopped sending me monthly statements after the charge off date. I have no idea what these monthly charges that are being reported to the credit reporting agencies. I am assuming these are interest charges but without some sort of monthly statements how I am supposed to know if these amounts are correct. My point is that XXXX XXXX should be sending me monthly statements per the " Truth in Lendind Act '' if they intend on occurring interest on this old account every month. If they are unwilling to send me monthly statements this account should be deleted from my credit report for none compliance with federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
# # # I HAVE BEEN DISPUTING THIS FOR 4 YEARS SINCE XX/XX/XXXX # # # # # This information has been disputed over and over again and has consistently been reported inaccuate! In XX/XX/XXXX, my loans were consolidated by XXXX XXXX ( dept of ed ) and placed in good standing ever since I am currently in repayment in good standing since XX/XX/XXXX. THESE ACCOUNTS WERE NEVER IN COLLECTION WITH AN OUTSIDE COLLECTION AGENCY! I have adamantly disputed and requested documentation from both experian and the dept of ed since XX/XX/XXXX these XXXX accounts in question ( XXXX ... ) dated XXXX XXXX have been reported numerous different ways concluding investigations over the years. Inititially, it was reported as a charge off, then a collection and also at XXXX point both a collection/chargeoff. ALL WHICH ARE INCACCURATE AND UNTRUE. These XXXX accounts consolidated on XXXX/XXXX/XXXX by direct loans in the amount of XXXX ( XXXX loans ). THIS IS THE MOST RECENT AND ACCURATE INFORMATION REGARDING THESE XXXX LOANS WHICH ARE NOW BEING REPAYED WITH A NEW LOAN SERVICER ( XXXX XXXX borrow ). They are not permanently assigned to government or was in collection in XX/XX/XXXX as reported in the payment history on my experian report. In fact, there is no other payment history being reported beside this negative info dated XX/XX/XXXX. 
# # # # # I HAVE AMPLE DOCUMENTATION CLEARLY INDICATING STATUS OF CONSOLIDATION XX/XX/XXXX FROM DEPT OF ED # # # #. In fact, just last month i disputed this inaccurate information again ( since XX/XX/XXXX ), I went to great lengths to provide documentation from creditor ( dept of ed, XXXX ) clearly stating both loans were consolidated, paid, and MOST UPDATED STATUS IS " CONSOLIDATED IN GOOD STATUS '' as a result of my recent dispute in XX/XX/XXXX ( report # XXXX ), onc account was removed and the other still remain as a negative account ( XX/XX/XXXX collection mark in payment history ). BOTH ACCOUNTS SHOULD HAVE BEEN REMOVED AND REPLACE WITH A GOOD STANDING OF " CONSOLIDATED XX/XX/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 2017-03-01 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: TN

Complaint narrative:
All three credit bureaus : Experian, XXXX and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records incidate my revolving credit has been established 14yr, 10 months. This was NOT reflected on my credit bureaus until I disputed a negative rating from XXXX, which was removed. Nearly immediately this Negative factor arose and no one will or can explain.

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 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX 2015RE XXXX XXXX - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW XXXX, RCW XXXX and XXXX UCC XXXX ( b ) XXXX, XXXX XXXX, Title XXXX XXXX XXXX and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions :

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