vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-08 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: OH

Complaint narrative:
I tried to get all XXXX free annual credit reports online but was informed that the request could not be processed online. So, on XXXX/XXXX/15, I mailed my request using the completed paper form along with copies of the requested documentation to the XXXX Request Service in XXXX. I requested a report from all XXXX companies. I quickly received my free report in the mail from XXXX. But I never received my free reports nor any other communications from Experian and XXXX. I want those latter XXXX companies to send my free reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX REF : XXXX Date:XX/XX/2016 To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following HARD credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
Sincerely, 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 explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On the morning of XXXX XXXX, 2016 ( this morning ), I pulled my Experian credit report and noticed yet another trade line ( collection ) that is reporting on my credit due to fraud/identity theft. I recently submitted a claim with the CFPB on XXXX XXXX and Experian has continued to be diligent in the process of removing false and fraudulent information reporting on my credit file. At this juncture, I would like to add yet another item to be disputed as Fraud. It is actively reporting on my credit under the name of XXXX XXXX XXXX to which is not my name XXXX XXXX XXXX XXXX XXXX. The collection company is XXXX. XXXX XXXX with them representing the creditor of origin XXXX XXXX XXXX. I have attached AGAIN the necessary documents to prove my identity.

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 2016-05-13 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 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 account ( s ) I disputed. 
Being that they have gone past the 30 day mark and ca n't 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 matter 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 2015-08-09 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 opened a XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah XXXX. XXXX. I fell behind in XX/XX/XXXX. Total amount was {$2500.00}. Fast forward to XX/XX/XXXX. I contacted XXXX XXXX regarding account # XXXX. We entered a settlement agreement amount of {$2000.00}, which was paid in two installments of {$340.00} and a final payment of {$1700.00} on XX/XX/XXXX. XXXX XXXX is reporting now that I owe an additional {$880.00}. No I do n't. The new agreement/covenant superceded the old agreement and the account is paid in full as agreed with a XXXX balance. I would like the credit bureaus to report same or delete the line item in it 's entirety. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting falsely on my account and I asked them to verify the accounts since they are not mine. They lied in their response to me that they contacted the courts and verified by sending someone to the courthouse. They asked me to contact the court. I did contact the court by phone and mail. I was advised they did not furnish the information to the bureaus and also sent me a letter indicating they did not verify as such. Experian flat out lied and violated FCRA rules. Additionally, I have asked for the procedures and their source for having this info on my report as I believe they are using third party information that is inaccurate to report. This hearsay is causing me harm and I will have no choice but to sue after repeated attempts to get them to delete the records. Experian is the only one to disregard these notices.

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 2015-08-21 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: AZ

Complaint narrative:
XXXX of the XXXX credit reporting agencies would not give me my free credit report online. They said there was a error or mismatch with my information and that I would have to submit my request through mail for them to determine the issue and get my credit report from them. Both XXXX and XXXX did this when I tried to get my reports for free, but when I tried to pay for them on their websites, low and behold they were able to match and confirm my identity to give me my reports. This appears to be deliberate way to charge customers to get their reports by not providing them to them for free and making it labor intensive to get them ( through email and possible long wait time ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/XXXX, Experian stated to me that they could not delete the inaccurate personal information from my credit file such as the incorrect addresses, incorrect names, social security number variations ( when they clearly know my ssn and have proof sent to them XXXX, inaccurate telephone numbers, inaccurate employers, etc. It is still reporting on my credit files and this is violating the FCRA and my consumer rights. They stated that the furnishers of data submits this information ( whether right or wrong ) and it would be up to me to contact them. Again, this is a violation. They even suggested me file a police report to remove the items. This is fraudulent and I will seek legal ground If this is not corrected. All of the other credit bureaus have my personal information correct except for them. I think something seriously needs to be done about their practices. 

I need for the following addresses that are not mine and should not be reporting. 

XXXX XXXX SC XXXX ( what is this??? this is an office building ) I looked it up. 
XXXX XXXX SC XXXX XXXX XXXX CO XXXX XXXX XXXX SC XXXX Delete these names that are not accurately reflected on my SSN card or my drivers license. This is fraud also. 
XXXX XXXX My name is XXXX or 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 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I received a copy of my credit report today from my bank in relation to a car loan application. The credit report showed a tax lien on it. I completely paid off that tax lien over 12 months ago. I contacted XXXX, Epererian, and XXXX and all of them said that the tax lien still shows on their records. All three were helpful and courteous. I called the Idaho Secretary of State and informed them that the XXXX credit rating companies stated that the XXXX has to send each of them the information that the lien has been settled and paid. The Idaho XXXX office said that that statement is not true, and that the XXXX credit agencies are required to update their files by contacting the XXXX office periodically. So here I am caught in the middle of the credit agencies and the Idaho XXXX XXXX XXXX saying that it 's neither of their responsibility to make sure that my credit report and scores are up to date, in this case, that my credit reports issued by XXXX XXXX and Experian no longer show the tax lien. So this is a complaint against all XXXX credit bureaus in that they are not regularly updating their systems to show that things such as tax liens are not removed from their computer systems so that the credit reports they issue to financial institutions show that I no longer have a tax lien. If the XXXX credit agencies are not required by law to periodically update and ensure that their reporting records are accurate and up to date, then a law needs to be passed that requires them to do so. This is outrageous that a consumer who meets their obligations with respect to paying off their liens or other debts have to go through the endless efforts of contacting each of the XXXX credit reporting agencies and file a complaint so that they remove those liens/debts from their records. Thank you in advance for taking the time to address my complaint. 
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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCOUNT XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial first late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
renewed collection dates are being reported on several accounts. I have disputed the accounts with the collection bureau. One in particular, XXXX reports that the debt is new as of XXXX/XXXX/XXXX, However, XXXX deleted from my report XXXX XXXX, XXXX XXXX XXXX {$1300.00}. XXXX shows the first date of delinquency XXXX/XXXX/XXXX. When a credit report is pulled this debt is reporting as delinquent on XXXX/XXXX/XXXX. I have attached the dispute that now reflects removal of the debt in XXXX. But is still showing the debt delinquent on XXXX/XXXX/XXXX. I have attached the dispute showing removal date updated and not the reporting 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 non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EXPERIAN JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EXPERIAN TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Acct with XXXX XXXX XXXX still being reported negatively acct was paid in full and should show current paid.

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 — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect items including names, date of birth, social security number, addresses, also there 's a former address listed as an automobile service

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 2015-03-27 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: OH

Complaint narrative:
I try to look at my credit report online, the system will not let me see my credit report but will let another credit company that i pay to have to see my report, when i go to look at it, the require all this information to send to them like my picture id and socail security number and a copy of my phone bill, they will not let me dispute my information, I have sent them copys of all my information certified mail, still will not let me dispute or look at my credit report, I have to pay another company for them to pull it, give it to them but not me ... Thats crazy, Experian is the only one that iam having a bad time with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have never been to XXXX or lived there. I have lived in XXXX XXXX and XXXX XXXX XXXX. What can I do to take those addresses off my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted Experian to dispute an entry showing a balance due on my credit report with XXXX XXXX Bank. I have settled this account through a collection agency, and I provided Experian with a copy of my receipt. However, provided me with an updated copy of my credit report which still shows that this account has an outstanding balance due, when it should reflect that it was a settled account with nothing due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 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, 2015, I sent a letter to Experian along with a copy of my social security card advising them of information that is being reported on my credit file that is not mine. They have my credit file listed under XXXX XXXX and I sent them my social security card advising them that my name is XXXX XXXX XXXX spelled with an ( XXXX ) not and ( XXXX ). I also advised them of creditors that are reporting information to them for a XXXX XXXX which is not me. They have failed to correct their records and in accordance with the Debt Collections Act section 1629e ( 8 ), which clearly states that any information known to be false, can not be reported to any bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I used to pay my loan on time to the Department of Education every month but then they transferred me over to XXXX XXXX and I was n't allowed to make any payments for up 2 months until all my information was transferred over to them which took 2 months and now my credit report is saying I missed 2 payments. There are also XXXX addresses on my credit report that I have never visited or lived at

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Yesterday, I checked my credit score with Experian and noticed a company, XXXX XXXX XXXX, had been added. I confirmed that it had been added to all XXXX reporting agencies. I am assuming this has to do with payday loans I have had in the past. I can confirm that every XXXX of those loans were paid back in full. 
My credit score has taken a tumble because of this and I need this company to remove their inquiry from my report as soon as possible.

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 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit report shows listing of improper address with my report, called to dispute and that was handled I believe reasonably well but then I asked if I myself could report to the credit company myself information about a loan that XXXX does not report themselves? 
I was told NO by experian and that I could NOT do that I should call the company. I have called the company and they REFUSED to report my good credit on that loan! Now here is the complaint that same company will be the first to report a negative default on that loan, but it is in good standing and current so they REFUSE to report it in that status!!!! If they only report the bad then my credit file can only be BAD! And I was told I can NOT even report the " GOOD '' myself!!!! HOW CAN ANYONE SEE A FAIRNESS WITH THIS????? Goes the same for utility bills, rental history, or any other type of credit history! They use this as a leveraging tool! I was told in the past by some companies that it is a way for them to make sure I pay my bills, and if you do NOT pay your bill, we will destroy your credit and you wo n't get credit from anyone else either!!!! My position on this is that this is extortion plain and simple! They only report what they want to report and paint a very deceptive picture about me or anyone else and it should be against the LAW to have that control and power of manipulation over anyone!

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