vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am disputing my Late Payment For XXXX XXXX because XXXX XXXX supposedly late payment was never on my report until i disputed my report regarding my Late Payment in XXXX XXXX. I was n't disputing it was late in XXXX. I recognize this but they went ahead and put more then XXXX payments late which is n't true. I told all XXXX companies I was going to get a Credit Attorney and Sue for not only falsifying information on my report but categorizing as ( XXXX ) payments late, when it never was. If it had been I would 've disputed. I also believe they may have been removed previously but after carefully reviewing I was n't 30 days past due in XXXX XXXX. My payments are DUE on the XXXX of the month and becomes 10 days late on the XXXX. The following month, if not paid by the XXXX or XXXX however 30 days works out then I 'm 30 Days Past Due and I have always manage to pay before then. XXXX also offers me a Skip Payment that 's moved to the end of my loan, whenever there 's a Hardship but they would n't in XXXX ... You can verify this with them ... 

Equifax & XXXX have updated my report as you can see ... ..because they know this was never there and actually took BOTH LATE PAYMENTS 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 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX in XXXX Tennessee reported to Experian that I owe XXXX XXXX XXXX in XXXX. I obtained documentation from XXXX County Court proving that I paid in full the court ordered restitution in XXXX and sent it to Experian. Experian refuses to remove the outdated negative information from my credit profile that XXXX County Court waited six years to report, well beyond the statute of limitations for executing a civil judgment.

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 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a detailed description of the problem saying how the collections company contradicted itself several times and among the many mistakes, the collections company had the wrong address of my person. Experian just said they updated the case. It seems they did not read the complaint to have the collections deleted. I later found they " updated '' my official credit file with the incorrect or nonexistent address from the collections company. Experian just seems like it is there to help the companies and collections and really did not read the case at all. Then they updated the wrong residential address in my credit file from the incorrect information from the collections company. The original purpose of the dispute was to DELETE the collections report because they had wrong information and made a large number of reversals and contradicted themselves several times. For example the collections account repeatedly said I did not owe any money before. This case was TOO COMPLEX for Experian to read and they punched in things in their keyboard without thinking of what it was about. They thought they were doing good work by entering a WRONG ADDRESS in my official credit file that I told them the collections company had wrong in their records. I was trying to DELETE A COLLECTIONS REPORT. That was the primary responsibility of Experian for the consumers!

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 2016-08-04 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:
WELL I BEING TRYING TO REMOVE THIS ACCOUNT FOR THE LAST 4 MONTS FROM THE CREDIT BUREAU AND ALSO FROM THE CREDITOR, EXPLANING ALL MY INFORMATION WITH COPY OF MY SS AND MI ID CARD SO THEY CAN KNOW THAT THIS ACCOUNT IS NOT MY BUT THIS ACCOUNT STILL IN MY REPORT UP TO DATE.

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 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX account were open in my name ( supporting documents uploaded ) Experian has delayed and requested the same documents over and over. I have been on hold with the company for over two hours several times. Several of there fraud specialist have not even known 605 law of the fair credit reporting act. I have sent the need documentation that under the act certificated mail and it is been signed for by a representation but they say they have not received it. The state that upon receive not when ever they find or get around to I want these items removed and immediately blocked. I believe they have no re guard for the law and individuals rights. Up loaded documents included FTC fraud affidavit detailing all fraudulent 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 non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I rented my house out and the people that rented it put me down as the owner but I never signed a papers and when the renters moved out they owed XXXX and the alarm called me and wanted me to pay it.

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 2016-11-14 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:
Can not dispute online Will not do a re-investigation of accounts that have been disputed before

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 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The employer address on my credit report is wrong. My employer, XXXX, is not located on XXXX in XXXX. The correct address for XXXX is XXXX, CA 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 2016-12-14 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: WA

Complaint narrative:
Every year I get trouble to order my free credit report from Experian After I input my name, date of birth, social security number and address I 'm getting this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 

XXXX, GA XXXX And this is a common issue I see with people online on forum. 
I tried and asked other friends to try and they get similar error. 
I wish all credit bureaus would make this process more smoother.

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 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN is not INVESTIGATING PERSONAL INFORMATION and ACCOUNTS LAWFULLY, simply telling me they are verified is not the law. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is 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 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I tried to dispute this information on Experion 's website according to the procedure they themselves give you to follow, but - as usual - the site did not allow me access to their services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have some state tax liens on my Experian credit report that need to be removed. I contacted franchise tax board in order to remove these from credit file, I was told I need to contact the credit bureau in order to remove these liens. So I contacted the Experian to dispute the errors, after I received the dispute result, I noticed the errors are still there and they are refusing to remove them from my credit file. This has caused hardship to me. Thank you for your help.

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 2017-02-17 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:
I requested validation of bankruptcy reference # XXXX, # XXXX, and # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the public records through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records 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 explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I notified Experian that the XXXX account is incorrectly reporting that I was 30 days late with payment in XX/XX/2010. This information is inaccurate and I would like this inaccurate information removed from my credit file.

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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian LLC. continues to report unverified accounts in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) in violation of the required Federal law to verify with the original Consumer Contract with my Signature.

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 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... 
I have never had an XXXX account. It does not belong to me and needs to be removed.

Company public response: Company 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: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I went to buy a car from the XXXX in XXXX Washington and they said they would run my credit with their company and in the end it looks like they ran it through like XXXX companies. Not what we agreed on

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 2016-06-09 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: FL

Complaint narrative:
Experian credit report kept saying " loading '' in the XXXX website I was able to download XXXX & XXXX fine

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 2016-09-26 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: OR

Complaint narrative:
Experian refuses to let me obtain my paid credit disclosure online. On XXXX XXXX and again on the XXXX, I attempted to purchase my Experian disclosure online for {$12.00}. Although I entered precise, accurate identifying information and the address as exactly written on my previous Experian reports, Experian refused to let me complete the purchase online. Instead, they try to force me to call an automated number which can not accommodate hearing XXXX. I also do not wish to obtain my reports via mail as it takes too long and also it 's onerous to scan my XXXX report to save in PDF format. Obtaining it online allows quick conversion into PDF. Experian does this to force me to pay them over {$30.00} for a different online version which they do conveniently allow me to purchase online. I believe Experian refuses online access as a means to generate additional revenue when forced to buy the {$30.00} version.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian : Unauthorized hard pulls = XXXX of XXXX, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX via XXXX XXXX multiple hard inquires to Experian - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?

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 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Received a credit report from Experian showing " XXXX SERIOUS DELINQUENCY '' & " XXXX LEVEL OF DELINQUENCY ON ACCOUNTS '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Experian credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.

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 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On my credit report, they 're showing my current address as XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I 've never lived at that address, nor do I know anyone at that address. My correct address is XXXX XXXX. XXXX, XXXX, IN XXXX. 
Additionally, they have my name as " XXXX XXXX XXXX '', and my name is " XXXX XXXX XXXX ''. 
Finally, they 're showing a debt from a judgement, re : XXXX, and this has been paid off since XXXX of this year. How do I go about getting this and some other discrepancies removed from my credit reports? Thanks! 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 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing information recently sent to me by Experian on report frompreviously disputing inaccuracies on my credit report. This information detail personal information such as name, co-spouse, and telephone numbers. The accuracy of this information is important to the respect of XXXX parties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX has a debt listed on my credit files and the credit bureau companies stressed that a proper investigation was completed on their end and left my dispute unanswered because the debt is still listed. I find it amazing that I reached out to the company and XXXX reached out to the company and we did not get any results. IT amazes me that I can not get debt validation as requested and XXXX could not get any results on my behalf ( see attachments ).

Company public response: Company 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: MO

Complaint narrative:
Experian is reporting multiple Social Security numbers to my credit file ( XXXX that are not mine ) and addresses ( California addresses ) that does not belong to me. Also, they are reporting XXXX trade-lines for the same collection debt. They are reporting XXXX Disputes ( XXXX Bank ) for {$16.00}, XXXX and XXXX for {$16.00}, XXXX which are the same debt as XXXX Bank sold it to XXXX. This is deceptive and fraudulent practice as it makes it looks like I have XXXX bad debts when someone is looking at my credit file when it is indeed XXXX debt. I wish for XXXX of them to be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My husband and I filed for bankruptcy in XX/XX/XXXX to avoid a lawsuit by XXXX XXXX XXXX, our mortgage servicer. After the independent foreclosure review findings in XX/XX/XXXX of fraud and wrongdoing of many banks, we received a {$3000.00} payment, but were still paying on our bankruptcy. We successfully completed our bankruptcy in XXXX of XXXX, but are now facing credit issues because of the bankruptcy. We would never have filed bankruptcy if XXXX XXXX XXXX, who bought our mortgage from XXXX, had worked with us on repayment, as XXXX had done. My husband and I would like our bankruptcy removed from our credit reports, as it was obtained under duress and under false pretenses. We need help with how to dispute this on our credit report. 
Thank you, XXXX and XXXX XXXX XXXX XXXX, NC

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