vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-21 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:
After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also Experian had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 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:
XXXX XXXX account is incorrectly reporting in my name. It is attached to an apartment complex address where I have not lived. Disputing from my current home address, and XXXX XXXX sent documentation showing a different name on the account. I have sent several disputes to Experian to have this removed. All I have received are automated responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 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: UT

Complaint narrative:
Experian, who has established themselves as the basis for FICO scores, has gone from reporting erroneous information to not giving my credit or FICO score to potential lenders. I am trying to get a home loan and the disgraceful behavior of Experian has repeatedly prevented me from doing so. 

Making matters worse, despite the fact they provided NOTHING, they have still dinged my credit with the hard inquiries to which they did not respond.

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 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XX/XX/XXXX I have send a letter regarding this account. Under the Fair Credit Reporting Act, you must Change the status of the loan modification accounts. 

This account was a loan modification that was done XX/XX/XXXX not in XX/XX/XXXX and it was close in XX/XX/XXXX not in XX/XX/XXXX. For that reason this XXXX account should be remove from my credit report. A loan modification does not take 9 years to process. 

You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have recently obtained a copy of Experian report and the information does not relate to any transactions that I have made ; therefore, I am requesting that these inquiries be completely removed and blocked 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 non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My last payment for any derogatory account was XXXX 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 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:
TO, CFPB I have checked my credit report and found that all my credit is missing. I have utility bill s payed, I have car insurance payed for 4 years, I have apartment payed for for two years faithfully, and phone bills, cable, an inter net. I would Like to re submit all the bills and information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I initially disputed my DSNB/Macy 's account in which I stated I was never late but it shows late XX/XX/XXXX In addition, there is no data reporting for the account during XX/XX/XXXX to XX/XX/XXXX. Why is there no data reporting for these particular months? I requested that Experian confirm with XXXX XXXX the validity of the late information and verify with proof where the statement was mailed because I never received. Also, on my https : //usa.experian.com account that I viewed from my cellphone on XX/XX/XXXX it showed a status updated on XXXX/XXXX/XXXX, balance updated on XX/XX/XXXX and account paid satisfactorily. How can I then receive an investigation with the account reflecting late and no information being reported and closed in XX/XX/XXXX which is incorrect? It appears someone is attempting to keep the account from going to a positive status.

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 2016-07-31 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: VA

Complaint narrative:
I contacted Experian online but could only obtain my consumer credit score. There was no way to order a printed credit report from them without paying for it, either on-line or by talking to a service representative. I am trying to obtain my FREE yearly credit report, the whole thing, not just the score.

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 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
see attachment. 

They still have not provided the support documents to verify the debts. No physical support documents. The information needs to be deleted. 
I have been waiting for months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
An account with XXXX XXXX XXXX is showing on my credit report through Experian and it is not accurate. I contacted XXXX XXXX and they agreed to remove the item from my reports however Experian has yet to update their files.

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 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have written and contacted Experian so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

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 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On my most recent credit report from Experian or which I have a copy, # XXXX, a bogus and long written off medical bill from XXXX that, to the best of my knowledge, was previously removed from my credit file, with the assistance of XXXX XXXX, a department head and supervisor at Experian ( XXXX, fax # XXXX, has appeared again, and is preventing me from applying for a mortgage with ANY financial institution. This item DID NOT APPEAR on my XXXX previous credit reports, numbers XXXX, XXXX and XXXX, but did appear on the last report I originally mentioned. When I checked my credit this morning via the internet, it was still there. As to why to has reappeared, I have no idea. This alleged debt was investigated by all the other credit reporting firms and was deleled, including the most recent being on XXXX XXXX, XXXX by XXXX XXXX and XXXX, XXXX report # XXXX and XXXX XXXX report # XXXX dated XXXX XXXX, XXXX. Copies of this report, Experian 's report that I received, along with other supporting documents were faxed to you this evening following the submission of this complaint. 

As you will see, this alleged debt was totally and unconditionally written off by XXXX on XXXX XXXX, XXXX, so I assumed that would be the end of it. However, when I received another in a series of collection letters from XXXX XXXX this morning, I filed two complaints with your agency, these being XXXX and XXXX, copies of which were fazed to you this evening. 

This has been a seemingly never ending battle with Experian who, prior to the involvement of XXXX XXXX, was totally uncooperative and very arrogant. The tangible evidence is there that this is a totally bogus and baseless debt, which, as I stated earlier, XXXX investigated and removed from its files as did the XXXX other credit reporting agencies. I request that your agency take whatever action it deems necessary and appropriate to force Experian to totally, permanently and unconditionally, remove this item from my credit file IMMEDIATELY, and provide me with tangible evidence of the same, so that I can apply for a mortgage. I have less than 40 days to both apply for a mortgage and close on a house I had planned to purchase until this mess with Experian developed. I, and my XXXX cats, will be homeless if this purchase transaction is not consummated within the aforementioned period. The lender, XXXX, MO has been very understanding about this mess, but the can not process my application until this bogus debt has been removed from my Experian file. 

Your agency has successfully assisted me in the past with credit reporting issues, and I hope that you can again. Many thanks for your understanding and cooperation.

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 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XXXX XXXX, 2016, I have now submitted on three different occasions, XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016 disputed information to Experian Credit Monitoring Services regarding incorrect personal informatin on my credit report. The fact that my disputes and requests for correction never get addressed and I 'm never even notified by any party on the outcome, if there is an issue ( s ), if there 's a need for additional information, or of anything, I 'm continuing to have to submit disputes to Experian Credit Monitoring Services regarding correction of my personal information. The fact that each time nothing gets corrected, raises significant question regarding the overall reliability, integrity and validity of Experian Credit Monitoring Services of doing any part of their job in investigating and correcting and responding to my inquiries, disputes, and requests. A copy of this complaint is being forwarded to other governing agencies, one of which will include the Office of Inspector General, Federal Reserve. 

On XXXX XXXX, 2016, I submitted an online dispute notification to Experian Credit Monitoring Services, but nothing was ever corrected regarding my dispute of personal information. 
On XXXX XXXX, 2016, I called Experian Credit Monitoring Services and spoke with a representative who identified herself as XXXX and she indicated she was on " Team XXXX ''. XXXX stated she would correct all of my personal information in which I had originally disputed on XXXX XXXX, 2016. We went through each item line by line. 

On XXXX XXXX, 2016, upon reviewing my credit report once again from Experian Credit Monitoring Services, my report is still showing the incorrect personal information that was supposed to have been corrected upon online submission of my dispute and correction request on XXXX XXXX, 2016, and upon my subsequent follow up verbal telephone call on XXXX XXXX, 2016 to Experian Credit Monitoring Services which entailed a verbal discussion with representative, XXXX, who stated over the telephone on XXXX XXXX, 2016 that the personal information has been corrected.

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 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently review my Experian report to find the same collection agency whom did not verify debt in first instance and deleted back on my report. Experian did not provide any notice of this reinsertion and did not provide notice it was deleted. The initial deletion was on XXXX XXXX, 2016 and reinserted in XXXX 2016.

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 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been reporting a secret consumer file used to provide leasing reports to various companies. Reports that I have never received attached to my credit file and also reports that they will not disclose to myself. As I am a victim of identity theft by a property manager who assumed and attempted to use my name after finding it was clear and free of any criminal activity, and when told that she could n't, she tried to send a bill to me two years later in the name of the person that committed identity theft prior to her that I filed charges on. I have since tried to contact Experian, and they will not furnish the report. They have blocked me from access to my file requesting that I mail a request, and releasing it to others with a click of a button, with fraudulent accounts and reports and court filings. I have asked Experian not to add, inquiries, collections, or anything pertaining to my file unless it is Legally verified. I request that Experian Unblock my file to myself, so that I may see what they have been reporting pertaining to me, and my information. It is someone that works within the Experian Corporation giving access to my information, while blocking myself from seeing what they are disclosing.

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: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has continued to report a charge-off giving me a bad credit rating with the credit bureaus. XXXX XXXX and XXXX have deleted this erroneous report from their rcords. Experian, however, after XXXX investigations, have not deleted this charge-off, nothwithstanding evidence submitted to them that XXXX had settled with me in an accord and satisfaction completed years ago, yet still report this charge, thus giving me an adverse credit history.

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 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as 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 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my 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 explanation
Consumer complaint received 2015-10-22 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:
RE : Experian Reporting of XXXX XXXX XXXX XXXX XXXXThis letter is a formal complaint that Experian is reporting inaccurate credit information. 
I am very distressed that Experian have included the this information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either Experian or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a a personal line of credit to start a business, which was highly embarrassing and has negatively impacted my lifestyle. 

The attached letter was sent to Experian USPS Certified mail XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: TX

Complaint narrative:
I have tried to reach out to Experian to ask them why my credit score for utilities ( XXXX ) is so different from my primary credit report ( around XXXX ) ; I have n't been able to get through their systems, as their phone is useless ( XXXX ) and they require a report number on their site -- a report about my credit on utilities, that I do not have. As a result of this report, ( and I only found out through a letter from the utility company ), I was asked for a deposit for my energy bill, and due to this and additional other issues, my power was turned off without warning. -I 've paid my bills consistently for the last 5 years, so I did n't understand where this was coming from ; my previous energy company issued a very positive letter of credit to the new company. 

I would like to know : 1. Why there is a drastic difference between the XXXX? 
2. What items are on that report that are bringing it down? 
3. A copy of my 'utilities credit ' report. 
4. Information on how to challenge anything on said report. 
5. A contact phone number or email that actually works

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