vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid my balance in full to reflect on my credit report through XXXX XXXX XXXX XXXX XXXX XXXX in XXXX original creditor was XXXX XXXX Retail orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. Equifax has already deleted this off of my credit report and I would like to request that Experian and Transunion does the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.

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 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2016 To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit intonation. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these items are accurate and correct. Name of Company, Person Who Verified the Information, Phone Number and Date verified 1 ) I am disputing that the information on the credit report sent was not answer XXXX XXXX. is not accurate and that I request to be provided proof that this information is accurate failing that you must remove this item from my report and send XXXX a update copy as soon possible. If this report is the cause of me not getting approve I will be seeking legal action. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee, should you continue report these inaccurate report. 
Under federal law, you have 30 days to complete your re-investigation, yet you have failed to answer my items high lite in the first report. Your continued delays are inexcusable. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information to be provided a complete copy of the credit report that any Company or Bank can review on completion of your re-investigation. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee. should you continue reporting this inaccurate report. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to provide a complete credit report. Your continued delays are inexcusable.

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 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I had a XXXX credit card stolen back in 2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and Experian. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on 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 non-monetary relief
Consumer complaint received 2015-05-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I went to https : //XXXX, entered my information, and requested my free annual credit report from Experian. 

I got this message : " We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with " ... 

Then I went to the " Contact Us '' form on the annualcreditreport.com site and tried to report the problem, but the site refused to accept my form. The error was " Tell us more is invalid. Please try again. '' but it provided no information about why the information I had entered under " Tell us more '' was invalid or how to correct it. 

The appearance to me is that Experian is trying to avoid its legal obligation to provide a free annual credit report by making it so difficult that most people will just give up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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: TX

Complaint narrative:
We sent a letter on XXXX and received a response saying our letter was a " suspicious request '' and " not sent by me ''. Who else would send a letter trying to help us fix these ridiculous mistakes? 
We sent copies of my ID, proof of residency, etc. There are major mistakes the other XXXX credit bureaus fixed. Experian is causing us to not be able to get a mortgage by refusing to fix their errors!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-01-24 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 blocks access for their Free Credit Report on " XXXX '' forcing one to go to their website where you have to pay. I have tried for several days to get my personal Experian Credit report. I Have XXXX and XXXX credit score with XXXX and XXXX. Experian reported my score as XXXX to a lender and claimed that I have a lot of negative mortgage history which is untrue. I think it is a scam to force people to pay them to get a credit report. I am sure others are having the same problem. They should be forced to refund all cost to those who were forced to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 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: KY

Complaint narrative:
I submitted request for annual credit reports. I 'm going through a divorce with a certified sociopath and have received a collection bill for a XXXX card. I 've never had a XXXX card. After answering the security questions for Experian, it said that due to security issues they were unable to provide report??? However, there was no problem with XXXX or with XXXX. I need that report ASAP online. 
Thank you. 
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 2016-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
the following accounts were disputed over 30 days ago and were not either validated or investigated fully. the receipt of the initial investigations are attached. the following accounts should be deleted from my credit file for non-compliance. 
XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the 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 2016-07-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

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 accounts I disputed. Being that they have gone past the 30 day mark and can not 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 manner 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 explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian credit Bureau sent me a credit report having numerous errors in the reporting such as, wrong social security number, date of birth, an address I never lived at and many Creditors I 've never borrowed from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed an incorrect collection that had been submitted against me from XXXX collection for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by Experian. I called Experian and submitted a dispute against this collection as well as the other XXXX XXXX and XXXX. I had submitted various disputes against that collection with Experian and XXXX and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.

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 2016-10-09 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:
A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.

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 2015-11-11 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: ID

Complaint narrative:
I was denied credit, based on an Experian credit report. I quickly fill out a request for my credit report at experian.com/reportaccess, as stated in letter, and it gives me a timed out error message every time. I feel this is an attempt to block people from getting their credit reports. Error page is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed this Bankruptcy with Experian because this is not my filing. I called the Courthouse, ask how they verify bankruptcies thats do n't belong to you with the credit bureaus. They said candidly they do n't verify any information with third parties and the credit bureaus do n't have any true methods besides pulling a public records search to the address on my file. I have a family member that may have did it but Im not sure but I know its not mine. They are maliciously trying to destroy my financial creditability for no fault of my own.AS PROOF XXXX HAS DELETED IT ACKNOWLEDGING THEIR ERROR.

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 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My husband and I have been fighting to get a tax lien to reflect a paid status through Experian. We have sent proof of payment and a letter from the court. We 've worked hard to payoff our debts and deserve what is fair. The balance as of XXXX/XXXX/16 is still showing " Filed ''. 

They refuse to do this simple task for us. 

Please 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 non-monetary relief
Consumer complaint received 2015-10-07 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 have a similar name and keep having their stuff on my reports!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: NY

Complaint narrative:
Went to the consumer website ..XXXX and requested a report from experian. They denied an online report request without explanation and for no reason. The web site said that they needed a request in writing .I did so and they sent the report. There was no way possible to discuss this issue with them either online or via the telephone, since the options available to me, precluded me from making this inquiry. Since they do not have selections appropriate to answer my specific question. There was no telephone number that I could talk to someone in person regarding this question.Why have an online service when one has to make the request in writing. Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filling this complaint because I have been ignored by the Experian. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.

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 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I only called Experian Credit Reporting agency to discuss my issue. Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of Experian dropped my credit score while my student loans are in forbearance. The reason they say they dropped my scores because of a credit decrease was reported. On a student loan you can have decrease but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't happen on student loans. I like to provide you the information that my loans are in forbearance.

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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is not mine. I did not own this account. This is from 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 2016-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX, XXXX , Florida . 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 2016-06-29 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 will not investigate inaccurate personal information or inaccurate accounts on my file nor provide me proof per FCRA of how they are verifying inaccurate information on my credit file. Simply telling me its verified is not sufficient per FCRA laws.

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