vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-03 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:
XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Experian - learned about FCRA XXXX and sent on XXXX XXXX to block. Experian refuses to block.

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 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting XXXX the freeze. 
However, Experian online does not provide the option for victims, but rather has only one default - Pay them {$10.00}! 
Nor does Experian mention that available option ( again, going for profits while using our info but leaving it exposed due to their delays in implementing a Freeze ). 
Especially galling is the fact that I am an ID Theft victim DUE TO EXPERIAN. Their weak security and weak supposed " encryption '' allowed my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, to be stolen by hackers, ALONG with XXXX XXXX other XXXX victims of this theft / Experian failure. 
In that my personal info was obtained in Experian 's data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely, immediate Security Freeze. 
XXXX the preceding question, there is no option available from Experian to discuss the problem ( i.e. they only apparently want to collect fees )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 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 have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report XXXX already but up to now, the accounts are still on my report which is barring me from having a decent credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I disputed the validity of multiple accounts on my credit file. I requested validation of the debt being collected directly from the creditors and from Experian. Experian is not properly verifying the data from the furnisher as I have not received any documentation from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX Additionally XXXX and XXXX are collecting the same debt but reporting them with slightly differing amounts due and opening dates, this should have been corrected during Experian 's original investigation. I attempted to resolve this through their online platform, however ; my request was denied due to " duplicative disputes ''. 
Finally Experian is the only credit reporting agency still reporting the XXXX despite the company 's request to withdraw the information from my files due to their inability to validate the 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 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying for over 2 months now to remove a Collections Account which Experian says is mine. I have never lived at XXXX XXXX in XXXX, NJ. 
I have tried to call them and they refuse to remove it I have never lived there nor have I ever applied to rent an Apartment there. 
Please remove this item as I am trying to buy my first home, and I have never had any issues with the other credit reporting agencies, they have removed this item which XXXX is showing that I owe, which I do NOT, since I have NEVER lived there. They are also refusing to remove a false last names which I have NEVER used. I have NEVER used any other last name, except my own-XXXX. 
Thank You for your help in this matter. 

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 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX were doing a loan modification on our home in which they told us they were going to do a XXXX bankruptcy to stop the sale of our home. Unknowing to us it was n't a XXXX bankruptcy because it is now listed on our credit reports. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX and we are located in XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposedly XXXX bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My first complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out their money and should be held accountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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:
Please REMOVE the Inaccurate Late Payment History for these Collection Accounts for XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ). I do not have any payment agreement with them.The Closed Charged Off accounts from more than a year ago are Inaccurately getting reported as Open and Active by Collections Agencies. However, they are falsely reporting every month a Missed Payment or Late Payment. This is negatively affecting my report every month.

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 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian credit reporting continues to report information on my report that has been previously deleted, or has been on my credit report more than 7 yrs, ( past the statute of limitations ). When I try to dispute these items, I get a message that the issue has been resolved, but they never do any investigating or go to the date of the last activity for proof. They do not verify any information they just add negative items to your report without checking to see if the items actually belong to 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 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX my credit score dropped from XXXX to XXXX. The credit company states that this is due to : a derogatory public record or collection filed. I have never received any legal documents to verify this claim via the mail or otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 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:
Experian has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and each time verified false, fraudulent, incorrect and incomplete information.THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive amount ) XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) the information on the credit report is based on activities that include the illegal charges so the balance is inflated. 
there is no DOFD on the report, the amount of last payment is not listed, the scheduled payment is not listed ( used to determine excessive late fees ) .I have attached all account history and legal references in the form of the statute, the CFPB guide, and the Federal Reserve COMMENTARY on the final implementation of the 2009 CREDIT CARD ACT. 
ALL VIOLATIONS ALSO VIOLATE THE FCRA AND FDCPA ON THE PART OF EXPERIAN AND XXXX XXXX BANK, RESPECTIVELY. 
THE BUREAU AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF ANY DELETION, CORRECTION OR FUTURE ACTION.I SUGGEST EXPERIAN LEGAL TAKES SOME ACTION FOR KNOWINGLY ABETTING A FURNISHER IN EXTORTIONATE ACTIVITY AND FOR FDCPA,2009 CREDIT CARD ACT AND FINALLY THE FCRA OF WHICH WAS WRITTEN FOR THEM.. 
A JURY PUNITIVE AWARD IN THIS CASE COULD BE SIGNIFICANT! 
ENJOY THE CLEAR AND CONVINCING EVIDENCE AND DO WHATEVER YOU WANT WITH IT.The federal reseve investigator is finding more to hang you with.

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 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I months ago signed up for a service provided by experian for XXXX dollars designed to help Victums of I 'd theft and uphold the law. We all know that service should be free. Regardless I have submitted affidavits and police reports along with proof from their own third party. Reporting system and IRS affidavits that this info is inaccurate and related to 10 years of Id theft. They have been impossible to deal with and I was told by experian people in that department that experian does not fall under the same law that the other XXXX CRAs do and that any part of XXXX of the FACRA holds no weight. I have sent deletion letters from those creditors and still they scoff. Please see attached files and their responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing an unauthorized inquiry. 
XXXX Date Filed XXXX/XXXX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX I have contacted Experian, and XXXX by telephone. I have no documentation to show that I have contacted them and that they have received my phone calls. I have phone numbers and names of the people I have contacted. I original started my complaint when I noticed an inquiry of XXXX. I called experian about it and asked what it was because there only information is a PO BOX address. Experian reluctantly gave me a phone number to contact. XXXX XXXX XXXX ( XXXX XXXX answered ) I explained my situation of an unauthorized inquiry. XXXX XXXX then gave me the phone number to Applications within XXXX XXXX. I spoke with a women named XXXX she took my social security number and went through each company that they finance with and not a single institute had used my name or social security number to inquire for credit in all of existence. She filed the complaint with another department for which she would not give me a phone number to follow up on the process. I started this process XXXX XXXX, XXXX and this inquiry has negatively impacted my credit score since XXXX XXXX, XXXX as a hard inquiry.

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 — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My student loans through XXXX are showing that I am delinquent. These loans have been consolidated into a Federal loan service program. Please update this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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: CT

Complaint narrative:
XXXX/XXXX/XXXX Experian -- - XXXX attempts were made by me to receive my yearly credit report ( online ). Both times I received an error message asking me to try again later. No reason, or follow up information was given. 
Experian 's identity verification questions are confusing. 
Some questions were worded in the present tense, asking about bank accounts that have n't been active in a long time, which is very confusing. 
Some questions were impossible to answer correctly. 
Example : " Name the model year of the car you leased or purchased prior to XXXX XXXX '' With XXXX & XXXX BOTH listed as possible answers ... .You can only choose XXXX answer, but I 've purchased both XXXX, and XXXX model vehicles.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This bill ha.s been paid over two years ago and shows up on credit as owe. I 've contacted this company for the last two years and they have lied to me telling they apologize and will remove in 7 days. I 've tried speaking to managers but no resolution. I really just need it removed causing me so much heartache. The company is 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 2016-07-08 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:
Experian is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Experian credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are four different collections on two different reports in regards to a XXXX bill that i do not believe i owe. one is not even in my name. I have written several certified letters to the agencies on the reports requesting information and they have failed to respond. I have also sent them certified letters requesting that they remove the info from my reports since they refuse to send me any information regarding these accounts, but they still will not respond.

Company public response: Company 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: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
We requested credit investigations almost two months ago, and so far, Experian has not sent us any response.

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 2016-10-24 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:
On XXXX/XXXX/XXXX my credit score was XXXX. I paid my student loans off decreasing my total debt by {$6000.00} +, and was notified by experian credit reporting on XXXX/XXXX/XXXX via email that my credit score had decreased by XXXX pts ( XXXX XXXX. Prior to then in XXXX I paid a large amount of my student loans off and my credit score increased XXXX XXXX XXXX. Once I received notice my score decreased I logged into their site to compare my previous summary of credit factors from XXXX/XXXX/XXXX back to the end of XXXX to XXXX/XXXX/XXXX and could not find any new factors. I contacted experian and was transferred many times, on the line approximately 47 minutes then hung up on. I called back only to be told I should hire a credit counselor. I was not sure why they were telling me to do that as I am a paying member of experian. After a lot of frustration I cancellelled my membership.

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 2016-01-12 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: NY

Complaint narrative:
About three months ago I visited the website annualcreditreport.com to try and obtain my free credit report from experian. By law the credit bureau is supposed to give XXXX free credit report a year but after repeated attempts to try and receive a free credit report the experian bureau failed to do so for me. I was able to successfully obtain my XXXX yearly free report from XXXX and XXXX without any problems. I do n't understand why experian is violating the law. I only have a problem with the experian credit bureau obtaining my free credit report and to contact them it 's impossible on their website or when you call their is no operators you can speak to. I only want my free credit report that I legally have a right to receive. Again I had no problems obtaining my once a year free credit reports from XXXX and XXXX but I do n't know what is experians problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Have been trying since XXXX, 2015. To get the collections items removed. 

I have asked Experian to earnestly update and remove the collection items off the credit Report. According to the provisions of the Fair Credit Reporting Act ( XXXX ( a ) { XXXX XXXX ( a ) That these items must be seriously reinvestigated and or deleted from my credit report within 30 days. as the mere reporting of items. Contacted XXXX, With complaints as well. Your records will show that I have contacted your Government Entity to assist. Trying to get my mortgage and appraisal licensing completed. 
Your assistance in this mater will be greatly appreciated. 

XXXX XXXX

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