vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian does not answer the phone, has not removed the erroneous and perhaps fraudulent info from our credit report. We are a small, family-owned XXXX XXXX. Our company name is XXXX XXXX XXXX XXXX. We live & work from home. Our shop is on our property and has been for over XXXX years. We are the only XXXX XXXX & XXXX for miles around and certainly the only one in XXXX, TX. Experian will not return my calls. I have emailed XXXX times with exact details of the problem and I keep getting letters that say it 's resolved. It is not. We are still listed twice on a business credit report search. The wrong info lists our address as that of our XXXX competitor who has been out of business over a year. The property taxes for 2014 for our competitor 's property are in arrears and I have been told by our mutual vendors that they were never paid by our competitor. XXXX denied our credit app because of Experian 's reporting. Experian keeps telling me to " resubmit again. '' After posting my story on Experian 's XXXX page, I finally got a real human in the personal credit reporting department that is trying to help me. He is even having a difficult time with the Business Credit department of Experian-his own employer. XXXX XXXX XXXX XXXX has never owned, rented, worked from the property at XXXX XXXX XXXX, XXXX, TX. Several years ago, someone claimed our online profile so that when you searched online for XXXX XXXX & XXXX you got the phone number to our competitor at XXXX XXXX, XXXX, TX. I finally fixed that but it took years. We were denied credit by XXXX because of Experian 's false information and Experian will not return my calls and repeatedly sends form letters to me saying that it 's fixed. A quick search on www.experian.com reveals that it is not fixed. No one has called me back except for XXXX in the personal credit area, who saw my post on XXXX and is trying to help me. We have excellent credit. We work extremely hard doing XXXX work in the Texas heat. We pay our bills on time and mostly in-full. The other XXXX reporting agencies are not reporting the wrong info. XXXX with Experian just told me that they have pulled a credit report on our name with our competitor 's address. I can not get the report unless I pay them money. The building at XXXX XXXX is vacant and for sale. The property taxes are in arrears. I just need our name completely disassociated from that address. Please help. Experian Business Credit will not help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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:
I am disputing the derog reporting on my credit report. I do not have nor did I apply with the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to verizon years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA XXXX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX XXXX XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX

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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian about incorrect payment history for my XXXX XXXX account, which listed a 30 day late payment for XXXX 2016. I disputed this information as being incorrect and even offered to provide documentation to show that payments have never been missed and that this is an error with their system or with XXXX XXXX however it needed to be fixed. I just received the dispute results that indicate that Experian somehow verified this information to be correct however I just got off the phone with XXXX XXXX and they confirmed that there should be no lates in the system and that they did n't verify this information to be correct. Not sure what is going here but it needs to be fixed 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 explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed a claim against XXXX XXXX XXXX , XXXX for their blatant violations and fraudulent claims of debt owed. I have supporting documentation to support my disputes ; however, they refuse to remove the accounts from my credit report on ( XXXX ) of the the ( XXXX ) credit reporting agencies. I have retained legal representation and will continue to fight this injustice of commercial business practices. Being charged XXXX {$4000.00} from an apartment complex who has transitioned ownership three times in the last 24 months and told that there are no " written records '' of my decision to vacate upon lease expiration is madness ... how long can commercial muti-family management companies be allowed to do this??

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 2016-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Chase Bank. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section XXXX 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It seems every other month there is issues with all XXXX credit agencies. My score now has dropped in just the past year. XXXX points. The way I found out is a chapter XXXX I filed in XXXX and XXXX XXXX XXXX XXXX was part of the chapter XXXX I filed back then. The case ended in XXXX XXXX, XXXX and the XXXX were reporting I had a balance. So I sent them all the report from the court that it was paid and closed to take it off. Now just in the past year I found ( XXXX ) HARD Inquires which I never applied for anything.. ( XXXX ) - from XXXX XXXX XXXX ( XXXX ) - from XXXX, XXXX XXXX ) -from XXXX XXXX and XXXX card, XXXX XXXX XXXX XXXX XXXX NCS, Factual data/XXXX. I contacted them all and they say they ca n't take them off with out a letter from each Inquire. I do n't know what to do it ruined my credit I am working hard to restore. I am sure it is Fraud!! What can I do to get this taken off all my reports.XXXX points went down in 1 year.. Please I hope you can help do n't know what else to do. Like I said I tried contacting all XXXX agencies and put a fraud alert on my reports for 5 years ...

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 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have written and called Experian several times about their incorrect reporting of a collections account with XXXX XXXX XXXX that caused my score to drop drastically. I paid the account in full, submitted the letter from the creditor, and Experian continues to report the account as a charge-off when it was not. It was paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I originally started disputing some items on my credit report on XXXX/XXXX/15. I then received a reply from Experian dated XXXX/XXXX/15 stating that they think my dispute letter was " suspicious '' and that it was not sent by me. I even sent a copy of my driver 's license and utility bill in my initial letter. What else do I need to send? I have sent them multiple letters since then to dispute my accounts again and have yet to receive any result for my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: OK

Complaint narrative:
Experian will not allow me to dispute information in my credit file that is incorrect because they say they are unable to verify my identity but yet I was able to retrieve my credit report from them. I had previously filed a dispute with them and upon completing the investigation there were still errors on my credit file. However now they are saying they can not verify my identiy and I need to submit my request by mail. I disagree with that because I just got a copy of my Experian credit report and I should be able to submit my disputes on line as well. I have included proof of my current credit report and experians rejections of my disputes.

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 2016-09-14 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: MD

Complaint narrative:
I am having trouble signing in to XXXX saying one of my security questions was answered incorrectly. XXXX advised me to contact Experian by phone to have them reset my account, as I know I answered the questions accurately. Low and behold, there is no way to speak to a live agent there and their IVR is the worst I have ever experienced. I want them to contact me since the credit score is through them.

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 2016-08-09 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:
Requested bureau remove account as it was not verified. Spoke with collection agency and was informed the account was requested to be removed however, the bureau has not removed 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 non-monetary relief
Consumer complaint received 2017-03-30 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:
I have several creditors who pulled my credit report without my permission. Experian wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Experian is also asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Experian, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditors pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Experian. I do not feel that I should have to contact creditors, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP Thanking You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit bureau is in direct violation of FDCPA and FCRA, concerning 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 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting to my Experian credit report against Hippa laws Privacy laws and laws that state clearly an medical collection can not be reported if it is being paid by my insc it was Experian is sharing this information that is protected by the hippa laws and the privacy acct MY medical records with any body who pays them My medical records are private and that incudes my medical bills account XXXX reported with a XXXX balance and is clearly a medical bill and it is illegal for them to report 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 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This debit has not been accurately verified. The bureau does not have a contract with my signature. It is also a possible duplicate account.

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 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed my checking had a withdrawal that I did authorize to Experion Credit Reporting. I called them immediately and told them that I never contracted with them nor ever received a credit report from them. They stopped the payment but told me that they have been taking the {$25.00} every month since XXXX. It 's an account I rarely use and keep little money in so I did n't realize it right away. I was told that someone named XXXX XXXX had been receiving credit reports, so I asked for her information to have her prosecuted. I was told to contact Experion 's Consumer Relations Group for this information. I contacted them in XXXX XXXX requesting a credit report and a refund. I received a credit report but no written response. I again wrote them XX/XX/XXXX ( sent return receipt, which they signed for ) and received no response. I believe they hope I will go away. I way be a victim of fraud and they do n't seem to want to take responsibility for that. Also, I never contracted with them, received no services from them and they benefited approximately {$900.00} of my money ( {$24.00} from XX/XX/XXXX to XX/XX/XXXX ) I believe this needs to be investigated and hope you can help me with this situation.

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 2016-06-26 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. The unauthorized and fraudulent accounts and inquiries, do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent : 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 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had applied for an unsecured credit card through XXXX XXXX Bank. XXXX XXXX used the credit reporting agency Experian to process the credit information. I was denied credit due to the following reasons. Bankruptcy and foreclosure. I did file for and receive a chapter XXXX bankruptcy in 2014. However i am disputing the reported " foreclosure ''. I have never had a foreclosure. I pulled my credit report from Experian as well as XXXX, and XXXX and could not find any entry about a foreclosure in any of those credit agencies reports. The only thing that I can suppose is that because my morgtage was included in chapter XXXX bankruptcy protection Experian assumes that I was foreclosed on. However that 's not the case. I am current on my mortgage payments, I am listed as owner on tittle and I still physically possess the property. There is a distinct legal definition to the term " foreclosure. To meet the legal definition at a minimum the following terms must exist. The property and tittle must be awarded to the creditor through judicial action. These terms not being met ... using the term " foreclosure '' is not applicable. A mortgage simply not being reaffirmed and included in chapter XXXX bankruptcy does not meet the legal definition of the term " foreclosure '' .Reporting that my I have a foreclosure on file is patently false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted this company several times as they are reporting my closed student loans with XXXX/XXXX/ and dept of ed closed with XXXX balance which should be showing in good standing on my report. instead they are showing negative on my report. They are being held against me even though the debt has been satisfied and should be reporting positively

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 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Around XX/XX/XXXX I disputed a negative item on my credit report for all XXXX bureaus. I was successful on the deletion. In XXXX this same collection account resurfaces, under a different collection agency. After some google searches i found out it was technically the same agency they just changed their dba. I received an alert thanks to XXXX of the reinsertion. I disputed it immediately unfamiliar with the charges, just like last time. Now it comes back " verifiable '' within 6 days of the dispute. A week later it hit my Experian file, I dispute with them as well and again they " verify '' within days of the dispute date. I know it takes a little time for sites like XXXX to update to show a collection. I not once received written correspondence telling me this collection was being reinserted into my credit report. And after some digging I found out the credit bureaus have 5 days to let me know. It is now XX/XX/XXXX and I have yet to receive correspondence from Experian nor XXXX. Hopefully it does n't hit my transunion file as well as I have n't received anything from them either.

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