vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had a collection on my credit report, I disputed it and was given a code that said : Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute. 
Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. 
Processed - This item was either updated or deleted ; review this report to learn its outcome Credit Items XXXX Account Number : XXXX Outcome : Updated meaning the only update that was done is that i paid it, It should not be on there to start with, I moved 2 years ago and they sent all the bills from the emergency room to my current address but this one, it was sent to my old address, as soon as i saw the negative on my credit, i called them and paid it, They told me the bills were sent to my old address, As you probably know, when you go to the emergency room you get many different bills, If i do not receive it I ca n't pay it.If you look at my credit history you can see I 'm never late and pay all my bills, XXXX requesting for this to be removed and all i get is that it was updated because i paid it. Thank you for all of your help. : } I do not have any supporting documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
U.S Postal Certified Mail No : XXXX, MN XXXXFORMALLY KNOWN AS : XXXX, SD XXXX : ExperianXXXX XXXX. TX XXXX. GA XXXX P A XXXXXXXX,2015RE : XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there is some account on my report i have no clue who this belongs to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have XXXX medical bills on XXXX and XXXX XXXX accounts all in collections that were ALL removed and now they are back on my report. I do n't owe XXXX anything and I have medicade so the medical bills should have been billed to medicade not me. Also XXXX and experian do not show all of my good accounts and refuse to add them. experian has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with experian and XXXX to fix my reports. I want to buy a house and this is making it impossible. Can you please help 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 non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I wrote Experian asking for my credit report which I did receive and I was not happy with the results. Their are items on it that have a XXXX balance and a couple have looks like the same company twice. The way I fill about the situation they have no balance so should not be on my report to harm me or keep me from getting any type of credit. I did file a dispute with them but have not heard anything from Experian and this is not fair to keep anything on my report that is damaging 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 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There is a child support on my experian credit, which is the wrong information because i have never in my life time had to pay child support i think they may have mistaken it with my son they need to check social security number more closely.

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 2015-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a child support claim dating back from XX/XX/XXXX.I am only XXXX, I was born in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I disputed information on Experian disputes for credit card accounts that were past thpast the seven year limit and they did not remove them. They changed theaccount date which was XXXX to year XX/XX/XXXX which is not true. tried todispute info again and Experian will not allow you to dispute online unless youpay for it. they also did not allow me to go back and view my dispute but once, event though the 30 day limit was not up. there is no contact email so you cansend any complaint issues and they put inaccurate verification information soyou ca n't even verify your identity in order to dispute anything online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 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:
While checking my personal credit report, I noticed XXXX Employers listed as XXXX and XXXX on EXPERIAN credit report. I have never been employed by these companies. I am requesting that EXPERIAN immediately remove these names from my credit file, listed as my previous Employers on my credit report immediately. I have attached a screenshot of the incorrect information listed on my credit report from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am looking at my credit report and my name is not fully my legal name. I would like to update that information 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 explanation
Consumer complaint received 2016-07-30 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 looking at my Credit Report for the first time in a very long time, and I am shocked by the things that are reported that are not of my doing.

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 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit bureaus Experian and XXXX are scaming people offering your score for {$1.00} and then charging {$20.00} per month if you do n't go back and cancel a service that you did not order in the first place. You become aware of it when you see the charges in your credit card. By that time, they already got your money. It 's a scam of the worst possible kind from the very people who is suppose to ensure the transparency and good faith of the system.

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 monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has been charged off and still reflects a balance on my credit report. Even so, this account has had no activity since before XX/XX/2009 and should not be reflected on my credit report at all after XXXX 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 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I send a police report report together with other to Eperian requesting account that did not belong to me to delete them and also to update my records as letter stated from the creditos. Also send them copy of drivers license for the verification of my of my identity since I am victim of fraud and they know about it. The police report included everything they are putting on their response. They refused to block eventhough they have copy of my police report and my XXXX creditor.s

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 2017-02-03 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: CA

Complaint narrative:
I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.

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 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have initiated two good will letters to Experian to provide me with documentation bearing my signature for a chapter XXXX bankruptcy on my credit report. They have failed to do so under the FCRA guidelines.

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 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There is a public record on my Experian credit report from " XXXX XXXX XXXX XXXX. '' There is no recorded judgment from this creditor. I have disputed in the past with Experian, and it has come back verified. I went on to request that Experian provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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:
Experian isnin violation of my rights. To jave a debt collector not to harrass my and allow me to deal only with the original creditor which os a. Violation of the FAIR DEBT COLLECTION ACT, THE UNIFORM COMMERCIAL CODE, and On XXXX XXXX, 1933, Congress passed XXXX ( XXXX ) XXXX. HJR XXXX was passed to suspend the gold standard and abrogate the gold clause in the national constitution. Since then, no one in America has been able to lawfully pay a debt.

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 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The XXXX account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i got few hard inquiries that i never requested from this bank tried to contact them over the phone and they said they gon na get it removed after 4 months i still see all of them on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Hello, I feel I am a victim of fraudulent charges and/or identity theft. First, there were fraudulent charges made using my debit card. Then, someone accessed my banking information and changed my username, address, and email. Next, there were fraudulent charges made on my credit card. I spoke with representative from my bank and claims department. They are currently reviewing the credit card charges. I believe this person has also set up an online presence through a social media site called XXXX and used my username with my favorite number attached to it. I 'm very concerned this person has access to all of my banking information. All of my credit cards are on hold at the moment. I need to protect my identity and credit so this person does n't move further and use more of my information. Again, I 'm very concerned and would like to monitor my credit. 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 explanation
Consumer complaint received 2016-06-08 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 disputed with Experian that the account listed as XXXX has never been paid late, I have even submitted a letter from XXXX to express that and they still continue to report late payments on this 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 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have notified Experian numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Experian on this account. It needs to be removed from my credit profile. 

XXXX Account Number : 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 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I Secured a loan through my credit union and was told by the loan official that someone else 's Social security number is on my credit report besides my own & my spouses. When the loan official inquired weather I know this person I was shocked to find out that I get called from people looking for him. The telephone callers are from collection agency 's and IAsked them not to call any more. It has been about a year maybe longer since I 've heard the persons name till today from my credit union. When reviewing the credit score information it was then that I realized that the social security number of this person is my actual CT drivers license number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was called from phone number XXXX by an automated caller " this is XXXX calling about your credit card interest rate. Please press XXXX to speak to a representative to lower your interest rate ''. I pressed XXXX and got to a representative names XXXX XXXX ID # XXXX said he worked for account services on behalf of all the credit card companies. He asked me my balances and what card I carried and the first digit on the card. I asked him who he was and he said Account services, he worked in XXXX, company based out of XXXX. He said he is working off Experian reports but he needed me to get my credit card account number in order to lower my rates I pay. There was a long discussion about asking him who he was and where he was located. He would not give me a phone number to call him back so I could confirm who he was and what company since he did n't know much about me. He said he follows the FTC and it is all safe to give the information. He uses Experian credit reports to make the phone calls. Refused to give his phone number, company name or address. He then said do n't waste my time, I asked to have my number removed from his database and never call me again and he said he would call me every day. I informed him that he is violation of the telephone consumer protection act by calling me on a do not call list with no business relationship. He then informed me again he would call every day and then hung up. I tried to call back the phone number that was given on my display on the phone XXXX and it was a disconnected number. I get these calls from " XXXX at card holder services '' at least XXXX10 times a month and has been going on for years. I am tired of it and someone is in violation of the law but you can not find out who this is. Please hold them accountable and find out who is doing 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 explanation
Consumer complaint received 2016-10-18 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:
I have not tried to obtain and credit and I continue to see credit inquiries on my report that I did not allow and would like removed.

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