vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX. Federal Trade Commission & Better Business Bureau, I have a major issue with Experian CRA. I had request re-investigation on error on my credit report at-least ( XXXX XXXX XXXX times to remove " Inaccurate '' reporting of Bankruptcy. I have asked more than 4 times for information regarding " Error and details '' as well as the source of such reporting and " verify it the XXXX witch should be the bankruptcy court '' also who was the creditor and what was the amount on such stated Bankruptcy?? They just respond saying it is verified! I had contacted the Bankruptcy Court and New Jersey XXXX and received letters from both of them that the " DO NOT VERIFY OR REPORT TO ANY CREDIT BUREAU 'S! I also received a Court Letter from the " DISTRICT COURT OF NEW JERSEY '' VERIFYING THE DO NOT REPORT TO CRA 's. " THE COURT CLERK XXXX XXXX XXXX XXXX. CHIEF DEPUTY. CLEARLY STATING THERE WERE ( XXXX ) XXXX SEARCHES DOES NOT SHOW ANY MATCHES WITH MY NAME " XXXX A XXXX. I had forwarded these XXXX letters to Experian requesting removal of the " In-accurate '' reporting. They just responded stating again verified!!! I can not find employment because of background check showing such detrimental reporting also because of such financial situation from not being able to find work is leading to a possible Divorce and not mention I have lost my XXXX less than XXXX weeks ago. I truly and sincerely hope that XXXX can help with the removal of such distressful reporting. Thank you for your understanding and hep. Sincerely, XXXX XXXX XXXX. ( XXXX ). 


Their Response : XXXX XXXX NJ XXXX Dear XXXX XXXX, This message is regarding Complaint ID # XXXX Experian XXXX you for following up with XXXX regarding your position in the above-mentioned dispute. 

We understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX XXXX XXXX as : " Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' If you would like to pursue this complaint further it XXXX be helpful for you to contact the following agency ( XXXX ) : Federal Trade Commission XXXX Washington DC XXXX Website : XXXX I have tried to contact FTC, and were referred Bureau of Consumer Financial Protection XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
experian is a joke they r supoose to help us make our credit better and then all this XXXX goes on! I have XXXX potentaly neg items on my report and under the fair credit reporting act they are not suppose to be there. they need to be deleted and done with. this is my life they r messing up and no one wants to help. this is why i am here at your site! under the fair credit reporting act collection companies have no business posting in the credit reporting agencies as you had a agreement with the credit card company/utilty company not with a third party. i desputief items and nothing even when thier findings were in my favor this XXXX is left to sit here and nothong is done!

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 2016-09-17 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:
I have contacted Experian on several occasions letting them know that these address do not belong to me. ( XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX GA, XXXX XXXX GA ) I do not know how these addresses got on my credit report but I have been receiving letters and phone calls from foreign companies and people I do not know that have mentioned these addresses along with my personal information. I feel that my safety may be threatened because whoever these people are contacting me they are tracking me through my credit report with these addresses that do not belong to me. I have attached a police report because I have been a victim of identity theft in the past but Experian does n't seem to care about my personal safety at this point by leaving this information 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 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2006, I was hit with a massive Identity Theft. Someone put amillion dollar home on my credit - then the person changed myaddress to theirs and thus received all my identity and preapproved credit offers. I filed a police report with XXXX XXXX XXXX and they sent me to the District Attorney in XXXX XXXX - The DA stated this is just the tip of theiceberg - it happened just when the housing marking wasslowly collapsing and I really got hit. 
I immediately notified XXXX XXXX and Experian.I placed a fraud alert on my credit bureaus and it took mea full year on the phone with DA and Police to clear my nameand prove I was who I said I was. I sent Identity Theft infoto all the accounts - seems they opened several accountsthru mail - most of the people were nice, but not XXXX, XXXX and XXXX - I told XXXX it was an identity theft -they told me they did not believe me, even with legal notice -they also said they would put a lien on me unless I paid the {$5000.00}. Sure enough, XXXX placed a lien on me - andmy credit plummeted. I called XXXX and asked them whenmy court date was and explained I wanted to speak to theJudge to explain my circumstances and clear the lien -Chase did not respond - in the meantime I notified allXXXX credit reporting agencies again - sent written letterscalled and nothing happened. I believe it is because itwas right at the time the XXXX Market collapsed and theywere overwhelmed. 
In any event, every XXXX of the late accounts and lienare still on my credit reports - I called the XXXXCourt House to try and get the liens removed, theytold me to go back to XXXX and XXXX - of course noresponse. I was denied a new lease with XXXX XXXXbecause of my credit and I am presently paying 19 % XXXX car loan x 3 yrs - I am trying to get a fixed Mortgagefrom XXXX and I can not even get information due tomy Credit History. Most of the Deliquency accountsare at least 10 years old - I have faxed, called, got mad at all agencies but no one cares. 
I just want my stellar credit back - my car ins. back to normal ourates, my car pmt back to normal interest and my Mortgageback to a fixed rate. 
Can you give me some suggestions? 
I have all paperwork and faxes but I am not too gooduploading. I can send in mail if needed. 

Thank you for your helpI

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is still ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong 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 non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.

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 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the information as provided in Case number : XXXX & XXXX number : XXXX with this Credit agency several times - only to be faced with we do n't have the information necessary to reverse any information, you will have to contact XXXX XXXX. All of which leads back to a dead end of my credit report having this false debt. I have provide Experian, all the information I have to prove my claim, only for them to tell me, it is up to XXXX XXXX to correct the information. Even though the information I have provide shows CLEAR inaccuracy - the agents i have spoke have repeatedly sent the same information back to XXXX XXXX for verification, only for XXXX XXXX to reply with providing blank updated information. Where is the investigation, what are the results of the investigation, What and Who said what, when and where?????

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 2016-07-07 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:
I demanded validation and proof of the alleged account labeled XXXX no reasonable documentation was given to me and this account has still not been validated. i demanded physical contractual proof between me and this company and none was ever presented experian refused to reinvestigate without having validated this to begin with. i do not have a contract with this company and never will and want this removed from my credit report it has been removed from transunion due to lack of validation already

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 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX XXXX BAD EXPIENCE XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...

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 2016-08-10 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:
To who it may concern ; yesterday morning, XXXX XXXX I contacted the Experian Fraud department and disputed multiple information that is fraudulent on my credit file, XXXX of which are my contact information, Name, address etc. and the other of which is a collection that has appeared on my credit file. I have since contacted XXXX and XXXX XXXX XXXX XXXX and am attaching proof that XXXX XXXX XXXX and XXXX have now deemed this as fraud. The letter attached is directly from XXXX XXXX XXXX 's Fraud department. The following is the information needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX Partial account # XXXX Original Creditor XXXX XXXX Please update my credit file to only reflect the following name variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 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: KY

Complaint narrative:
I have requested from Esperian,, XXXX times for my report. I get the runaround, it is in the mail, next week for sure. Sent me a letter to tell me it would be within the next week. What re-coursedo I have, if it is a legal claim, bring it on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got a copy of my credit report an learned that a collection agency has the same debt listed on it XXXX with different account numbers and different amounts and more than what I actually owe the creditor I did business with. The debt is for an old utility account I that closed and I did not get in the final bill in the mail because I moved. I called the collection agency and they said they would investigate my concern about them listing the same bill twice and get back to me however they never did. I went to the utility company for the original bill and paid it in full and I want the collection agency to correct their reporting on all XXXX of my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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: OR

Complaint narrative:
I was unable to receive my free annual credit report from Experian. The website says, '' We were unable to honor your request. If you entered your credit card information, we did not charge you. ". So I guess they want me to pay for the report but it 's supposed to be free. There is no option to speak to a human when I call. My banks fico report says that Experian is reporting delinquent payments which is false. So I need the report and then a direct line to speak to a human to remove false info 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 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Have bankrutcy filed in the US Bankruptcy Court, XXXX, CA on my Experian credit report. I disputed that the account is not reported correctly which is true. Experian keeps telling me that they have validated that the account is reported correctly. They refuse to give any other information and will not give me the means by which they validated or where they validated. I know for a fact that they are not following the Fair Credit Reporting ct and are breaking the law in their business practice, please see the attached : " 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' Since they can not validate with the bankruptcy court, they are continuing to report incorrectly and as I see it from the above, must remove the bankruptcy reporting from my credit report. I feel that the credit bureau is allowed to practice any way they feel like and outcome of your dispute depends on who gets your letters. My credit has taken a serious hit from this incorrect reporting and I have been denied credit because of 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 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has reinserted a credit account that was fraudulently opened without my consent. I disputed this account some years ago and it was never validated nor verified with myself nor Experian. I just so happen to look at my credit report and there is a number of accounts that is fraudulent. Applied bank was removed and reinserted without verification nor validation. I contacted the credit card company and they never sent me a copy of the signed credit agreement with my signature on it. XXXX is the other account who was reinserted without verification nor validation. XXXX was also asked for a copy of a signed credit card agreement with my signature stating I applied and agreed to this card and they could not provide the information. XXXX XXXX is a computerized number and that does not constitute verifying information. XXXX funding was contacted as well and they failed to show how they own the account, did not send copy of agreement with my signature on it as well. This is my last attempt to resolve this matter. I will be pursuing legal action for these unvalidated and unverified accounts are hindering my credit score tremendously. No consumer should have to endure this foolishness when it comes to getting proof for validation. There is a Bankruptcy on here that does not belong to me. I called the courts and they do not verify information over the phone. Third party companies are not a valid method of verification. Im sure Experian did not talk to anyone concerning this Bankruptcy because the courts do not verify over the phone. Bankruptcy do no share information with third party companies. XXXX and other third party companies are not a valid verification. This bankruptcy was reinserted which I disputed a long time ago and Experian removed the bankruptcy, XXXX, applied bank and now they reinserted without legally verifying or validation failing to alert me of they was reinserting without proper verification.. XXXX account was disputed I was never late on this account and they never got in touch with the company to verify or validate. I know for sure they did not confirm because they wont even return my calls.

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 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for a mortgage and was told Experian reports XXXX judgements : 1. XXXX County. XXXX {$15000.00}. XXXX XXXX XXXX XXXX. XX/XX/XXXX 2. XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX . XX/XX/XXXX I have never resided in XXXX County and have never heard of XXXX XXXX XXXX XXXX. These do not belong to me and because of the mistake I am denied a mortgage!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX : Account balanced has been cancelled and debt satisfied. Please correct error on the status balance to ZERO. I have dispute this and no action has been taking, please correct.

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