vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 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: VA

Complaint narrative:
Hi, I would like my free annual credit report. I am ineligible for retirement benefits from the US Social Security System - hence the credit bureaus do not have a social security number ( SSN ) on file. 

I can not use the website ( XXXX ) or the automated telephone system ( XXXX ) since both require a SSN. When I eventually get to a human in the credit bureaus, they are unhelpful as they refuse to investigate to get my credit report from their system ( which requires a SSN ). It is very frustrating and time consuming. 

Please instruct all XXXX credit bureaus ( Experian, XXXX, XXXX XXXX, and XXXX to provide my free credit report. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31 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:
Credit reporting agency selected someone with my same name that was involved in XXXX court cases. I lived at the same apartment complex but in a different apartment XXXX. Confirms with attorney 's office and court clerk this was a different person. I need this off of my report! Thank you!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 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:
Experian is not reporting the correct date, the account was opened. XXXX XXXX has sent official letter stating the date the account was opened. Experian has done several inadequate investigations and has not completely and accurately investigated the file. Experian is also incorrectly reporting the XXXX 2014 payment as 120 days late and the XXXX 2014 payment as 120 days late There are all sorts of inaccuracies in their reporting and they will not comply with my rights to have a correct and accurate reporting of this XXXX XXXX account. It is unfair for me to continuously have to spend more time writing letters and verifying information they should have access to.

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 2016-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following names below are spelled incorrectly or are wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses below are listed incorrectly or are n't mine : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( missing lot # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine ) XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine )

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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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:
Social security is is not correct ca n't get my credit score bacause of that Please correct error

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 2015-06-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Argon Credit
State: LA

Complaint narrative:
All of a sudden they have quit taking calls and e mails and will not offer any assistance.  They have another company doing there billing now but not services.  I am being charged XXXX points over the intrest rate I signed for.  I asked to have my loan refinaced for a lower intrest rate and they can not do it at this time because of money issues????? I call XXXX number and get someone on a cell phone...

Company response to consumer: Closed
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XX/XX/XXXX I called Experian twice about Inquiries showing up and disappearing and the rep told me that I needed to refresh my browser. I explained to him that its not a browser issue that something is going on with my credit score, not only that i had a fraud alert on my report, but I was told I needed to dispute them with the creditor - something that 's not mine???. I had to put a freeze on my credit because I do n't know what was going on. When I called them again to do another dispute the Customer Service did not help and take care of the negative inquiries reporting to my credit report. I also tried to log back in to view the case number and i have been locked out of 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 explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
says i have home loans and credit cards out ... 
I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... 
I lost my job too due to my XXXX. 
Something has to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting to ( Experian ) which they have n't verified the debt that I owe Account # 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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Experian for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Experian about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.

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 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
A fraudulent account is appearing on my Experian credit report. The account is XXXX XXXX XXXX XXXX account number XXXX. 
I 'm a victim of identity theft and have disputed this account with Experian. 
Experian refuses to remove this account from my credit report after numerous dispute attempts. XXXX and XXXX promptly removed this account from my file when it was brought to their attention but Experian has been negligent and careless, refusing to investigate this issue. 
The company that is reporting this information, XXXX XXXX XXXX XXXX has been unhelpful in my attempts to figure out why this is appearing 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 2016-07-21 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 non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Experian is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Experian has failed to update with the correct information or delete the account since it 's closed and outdated.

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 2016-09-07 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:
COLLECTION AGENCIES TOOK MORE THAN 30 DAYS AND NO RESPONSE, COPIES ATTACHED. 
PLEASE 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 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I had a loan with XXXX XXXX auto financing for a vehicle I purchased. I was involved in an auto accident that totalled my vehicle and left a little over {$700.00} on the loan after insurance payments. I had gap insurance to cover that amount, but they report it as a charge off.

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 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account XXXX XXXX XXXX was included in Bankruptcy Ch. XXXX in XXXX XXXX, and was properly discharged in XXXX XXXX through the bankruptcy plan. It has been over 7 years since the account was first reported " charged off '' in XXXX XXXX to Experian. The account was suppose to be removed in XXXX XXXX. However, it still remains on my credit report and states that it will not be removed until XXXX XXXX. I tried to upload additional documents proving that this account was included in Bankruptcy and was properly discharged. However, Experian failed my upload process ( I have tried several times ), and I was unable to upload the documents. Experian also denied me my right to dispute this account again with additional documents. Attached are the proof that the account was included in bankruptcy plan and the bankruptcy discharge order signed by the federal judge. Also I am submitting here a copy of my credit report from Experian from XXXX, stating the correct date when the account was to be removed from my credit report. As of right now, the Experian incorrectly reflects the date of XXXX XXXX as the date when XXXX account was included in Bankruptcy. I would like for Experian to remove this account as soon as possible from my credit history because it has been over 7 years since the first time the account was reported delinquent. Experian actions are detrimental to my ability to obtain new credit on the favorable terms. I will have no choice but to resort to legal actions, if Experian does not remove this XXXX account from my credit report 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 non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Twice now I have disputed through Experian with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied.

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 2016-03-28 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: FL

Complaint narrative:
I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a XXXX time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither Experian nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at XXXX said he can see my score. But when I tried XXXX, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores

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 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I called to XXXX XXXX, but XXXX XXXX 's phone number is not correct. I found in my experian credit report. 
Remove from my credit report. 
Why are they keep checking my credit till XXXX. 

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 2016-05-09 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:
On XXXX XXXX, 2016 I have contacted Experian via US Mail notifying them about Fraudulent credit items appearing on my credit report as a result of identity theft. I included my Police Report and my FTC Identity theft Affidavit. The following accounts that Experian failed to block per 15 U.S.C. 1681 ( c ) -2 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX 6 ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX Further i have written the companies regarding the fraudulent accounts which has been opened i have completed the fraud affidavits which the companies requested and as of today these accounts are still being reported 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 non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I keep disputing an open collection account from XXXX XXXX. I have contacted this company and Experian to remove this negative information from my credit report and they say they investigated the matter and it just keeps appearing after 3 years. It is also showing on my idenity guard account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX Federal Bank previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.

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 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed numerous disputes with the credit bureaus, XXXX, Experian, and XXXX XXXX, and each are coming back with the same stall tactic and not doing anything that is required by law when a consumer requests. I have repeatedly asked for documentation of proof showing that they verified each account, and asked for the person or persons name that they spoke to, and still nothing. Just the same old generic letter.

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 2015-04-21 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 submitted a dispute letter to Experian regarding inaccurate information contained in my credit report. I authored the letter on XXXX/XXXX/2015 and sent the letter certifed and return receipt via US mail. On XXXX/XXXX/2015 I received a letter from Experian dated XXXX/XXXX/2015 stating they have determined the dispute was suspicious and not sent by me, a violation of the CRA. Experian has refused to conduct an investigation of my dispute within 30 days, due to inaccurante information contained in my credit report. I was denied a refinance of my mortgage, inorder to save in PMI of {$480.00} a month. 
Here are the accounts I have disputed : XXXX XXXX - Account # XXXX. Late reporting is not correct. 
XXXX Bank - Account # XXXX. Reporting status is not correct. 
XXXX XXXX - Account # XXXX. Incorrect late dates and amounts. 
CAP XXXX - Account # XXXX. Late reporting not correct. 
XXXX XXXX - Account # XXXX. Late reporting not correct. 
Please investigate and provide me with results.

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