vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to permanent XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act

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 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I thought there was fraud on my account so I set up some additional security measures. I have the paper with the back-up info in my safe but I got rejected for a credit card today and my score is like 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 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have filed a dispute twice with Experian advising them that information reported by XXXX XXXX is not correct and should be removed. This is common sense. In XXXX XXXX I took a {$56000.00} loan to buy a truck. It was a 42 month loan. I defaulted on the loan. That we all agree on that, but XXXX does not report a " date of first delinquency '' at all and reports a charge off date of XXXX XXXX and paid as agreed XXXX XXXX. So I submitted a dispute twice to Experian questioning 1. How could I have first been late starting the 7 year clock XXXX XXXX when the maximum maturity of the loan would have been XXXX XXXX. Remember the loan is 42 months. XXXX XXXX plus 42 months is XXXX XXXX. No one can be late in the XXXX year of a 3yr loan. That 's nonsense on its face. Also in the Experian file the payment history is marked paid as agreed XXXX XXXX and charged off XXXX XXXX. Does anyone believe a loan can go from paid as agreed to charged off in one month? But as I mentioned earlier, these dates are nonsense because the loan was 42 months. XXXX XXXX would be the XXXX month of a 42 month loan. But in any case that point is almost moot because the law requires the clock to start at the date of first delinquency not the charge off date. I ask Experian about the XXXX and XXXX history because that is material to my dispute and they admit they do n't know. They are in clear violation of the law because the information they have makes no sense, its incomplete or either unverifiable. I seek immediate removal of this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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:
I recently applied for a mortagage and the company declined my app because of my credit score. The notice from the comapny stated that my score was XXXX but Experians own website stated my score was XXXX which reads as fair on experians scale.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted several letters with return receipts disputing the information that Experian is reporting on behalf of XXXX. I have also requested written verification of my signature and/or what methods were used to verify the information. The law requires the Bureaus to be able to back up what they are reporting or delete the information entirely. Likewise I have sent several letters to the creditor : XXXX not only disputing the information but also requesting written verification of the information that Experian is currently reporting. I have return receipts for all letters sent to both companies. Both companies have failed to mark the report of their information as being disputed. Both companies have failed to provide me written verification and therefore I am requesting there information that they are currently reporting for XXXX be permanently deleted as this has created hardship for me in securing a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have had numerous issues with unauthorized inquiries on my account as well as previously deleted information that was reinserted. Well with Experian I have XXXX unauthorized inquiries on my account that were not authorized my me. I have disputed with the credit reporting company to no avail. I have tried contacting the company who placed the inquiries and they do not exist anymore, their phone does n't work and I can not find a partner company or anyone to get in touch with. These are inquiries from the beginning of the year and I am not aware of them. XXXX of them are on XX/XX/2016 and another is on XX/XX/2016 ( see attachment with phone numbers and addresses of non-existent business. I started monitoring my credit around XX/XX/XXXX and I ca n't seem to get any help from Experian other than filing fraud but they will not promise an investigation or removal. i am out of options other than a lawyer so I am asking that this is investigated and that these are taken off of my report with Experian in a timely manner as it is causing lower scores in my credit, could be the cause of me not getting employment or other opportunities to move forward with becoming self-sufficient.

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 2015-04-27 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: KS

Complaint narrative:
I submitted an online dispute to Experian to address some discrepancies I found on my report. They responded on XXXX XXXX, 2015 with information to log-in to retrieve the results of their investigation within 4 days. I have been attempting to log in via the link they provided with my report number they provided and all I receive is a system error and a message to try again later. This has been an ongoing issue with Experian and the only option they have given me ( that I can tell ) for receiving my dispute results is via the online link.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I disputed XXXX accounts on my credit report. I received notification that the investigations were complete but the accounts still remained on my credit reports even though they should have been deleted or updated. In my opinion, There was no investigation done at all. 1. ) The XXXX XXXX ... .account was not updated at all. I have a 60 day late payment back in XXXX XXXX but I never had a late payment. The XXXX XXXX and the XXXX XXXX payment data was fine so how could I have a 60 days late in XXXX? This account was NEVER late. 2. ) XXXX XXXX XXXX XXXX ... should be deleted from my report. I do not owe XXXX any balance. Experian says that they investigated it but it had not been updated since XXXX XXXX. This is a violation of the FCRA. 3. ) XXXX XXXX XXXX XXXX ... This account should be deleted from my report. My account with XXXX had been closed and I do not owe any balance.This is a violation of the FCRA 4. ) XXXX {$140.00} ... This should be deleted from my report. The status had not been updated since XXXX XXXX. This balance was paid years ago and it is such an insignificant amount. It needs to be deleted. This is just harassment!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX is still on my credit report and they have sent me a letter months ago saying they were going to remove it. I am in the process of retaining my lawyer to take Experian to court but I do not want to drag XXXX XXXX into this since their investigation did find the account fraudulent. Contact them and they will tell 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 2017-01-20 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:
Credit bureau is not properly verifying my disputes. Violation of HIPAA to sell my information to a collection agency without my knowledge I want all inquiries not properly verified by me removed now

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 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I dispute the following accounts below on XXXX XXXX, 2015 and XXXX XXXX, 2015 directly with Experian and they failed to mark these accounts as in dispute. 

There are two possible violations here of the Fair Credit Reporting Act. 

1. They ignored my dispute and failed to conduct a reasonable investigation. 
2. They contacted the furnisher of the inaccurate information and failed to mark the account as in dispute. 

XXXX XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My vehicle was stolen and crashed. XXXX XXXX, Pa law firm represented the insurance company. XXXX XXXX court dockets show a summons issued for me was Returned Unserved-Does Not Reside At The Address Given ( By XXXX XXXX to the XXXX 's office for service ) I learned about this when I received a letter that they had ordered my driver license suspended. I contacted XXXX XXXX law firm and was told the summons was signed for by the person who stole and crashed my car mother ( AT THEIR ADDRESS ) I never resided at their address, nor did I communicate or have contact with them. Although, I never had knowledge of a court date this is the information XXXX law firm used to obtain a XXXX Judgment against me, suspend my driver license and put this judgment on my credit. 
As shown in the court docket records I filed with the court to reopen this case and filed a motion to be dismissed from this debt and judgment. XXXX XXXX law firm then provided me with a letter of satisfaction ( no longer holding me responsible to this debt. I filed the letter with the court and with all XXXX credit agencies. Experian is the only credit agency that refuse to remove this from my credit. Stating that a judgment can not be removed simply because it is paid. However, the judgment debt is Not paid. I am NOT the responsible party for this debt and therefore, it was satisfied against me. I mailed all of the necessary documents to all XXXX credit agencies XXXX XXXX and XXXX removed it under the Fair Credit Reporting Act since I am Not the responsible party. The responsible party was later arrested on a warrant for XXXX. He also filed a letter with the court/Judge and with XXXX XXXX law firm, stating that he took my car without my knowledge or permission I sent this information to Experian and still, this judgment on my credit is preventing me from fair credit and fair housing. This is not my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. I have numerous unauthorized and fraudulent accounts listed on my Experian credit report. I have sent XXXX police reports in regards to the unauthorized accounts, but the accounts is listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U.S. Dept of Education/XXXX, U.S. Dept of Education/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

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 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all 3 of credit bureaus and I would like them removed immediately or a XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX refuses to re-invistigate legitimate disputes. I keep getting generic responses stating that they have already investigated, but do not provide proof as to what they used to verify the accuracy. I know the disputes I am making are legitimate and not my accounts. They have also refused to re-investigate inquiries that I know are not ones I have made and are hurting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a XXXX customer, my personal information was involved in a data breach at Experian. As a result of said breach, Experian offered a lifetime of credit monitoring through it 's subsidiary, XXXX. I signed up for this offer for my personal data being breached in XXXX 2015. I was given the following Experian XXXX Number : Experian 's XXXX Customer Number : XXXX Upon opening the account, I was given access to my Experian credit report and alleged activation of monitoring services was required for me to set up. 

XXXX XXXX, 2015 I signed into my XXXX account and was surprised to see that the credit report I pulled in XXXX was deleted, showing in my account as " No credit report available '' although I pulled it in XXXX 2015 and in my archived credit reports section it shows " no credit reports archived '' although I had XXXX pulled in XXXX 2015. 

Experian left a customer service phone number of XXXX, but it only lead to pre recorded messages. I then noted that another number flash XXXX XXXX XXXX which disappeared. I called that number and reached a Experian person that stated they delete the credit reports from pulls and archives after 30 days and I can buy a new XXXX for {$9.00} from them. 
I was shocked to hear this as I am entitled to my previously pulled credit report. She ( XXXX customer representative ) stated I was not and I requested a supervisor. 
The supervisor said they delete all reports after 30 days although there is a archived section on my account. It appears this not available to consumers effected by the Experian/ XXXX breach and they are trying to upsell me furthering effecting me due to this breach. I asked the supervisor how I can get my previous XXXX report and I was told that I could go to free annual credit report or buy a report from them. 
I stated they were breaking several of the FCRA laws and I was hung up on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Audit & Adjustment Co. Inc.
State: TX

Complaint narrative:
This is not an account attributable to me, someone has obviously been using my SSN to gain access to services under my name. This is not my debt and needs to be cleared from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} XXXX. 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. XXXX has removed the XXXX XXXX XXXX XXXX but Experian refuses to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05 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 are inquiries on my credit report that do not belong to me. I have not applied for anything since applying for my car in XXXX 2015.

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 2016-10-30 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: MN

Complaint narrative:
I went to the free credit report website to request my free annual reports. I was able to get reports from XXXX and XXXX without a problem. However, when I requested my report from Experian, it said that " a condition exists '' that prevented me from receiving my report, and directed me to mail my request. No other explanation was provided. This seems like a very intentional barrier created by the company to reduce the number of requests they receive. By making it more difficult to get a report, they likely stop many people from requesting them, and thus avoid having to provide them and address challenges to the contents.

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 2015-05-08 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: NC

Complaint narrative:
I was trying to get a credit report through XXXX and it seems that my social security number is not matching with my name or anything of my identity. I do n't know what the problem is but I want to improve my credit and pay on my credits but I can not if I cant get down to the bottom of things if I have been identity theft or not. Please respond as soon as possible. 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 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, first reported delinquent XX/XX/XXXX and written off by the company in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX purchased the debt. I was not aware of this until recently checking my credit report. They are reporting the date the account was opened as XXXX XXXX, XXXX and continue to report delinquency up to this month XXXX XXXX. I have disputed this several times with the credit reporting agencies and they are doing nothing about it. This debt is being reported incorrectly by XXXX XXXX XXXX as the debt is too old to show on my credit report. I called the original creditor, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX to confirm the dates and they stated the debt was too old and should not show on my credit report by XXXX XXXX. Since I am getting no help when trying to communicate with the credit reporting agencies, I am filing a complaint with the CFPB. I appreciate any help you can give to correct 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 explanation