vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-11 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:
Completed form for request for free credit report on : annualcreditreport.com Requested Free Credit report from XXXX XXXX as well as Experian and received notification Message as follows : We are unable to complete your request. 
What happened : " You have already received your free Personal Credit Report from XXXX ; therefore, you are not eligible to receive an additional XXXX report at this time. " I have NOT requested my credit report for many years. This data is incorrect. I have an urgent need to access my credit information as I was refused access to Social Security MyAccount information because my " responses to credit questions '' did not confirm my identity. One of those questions involved a statement of a purchase or lease of a car in XX/XX/XXXX. I have not purchased or applied for any car loans or lease since XX/XX/XXXX. Therefore I need to investigate a possible identity theft situation. I need my free copy of my Credit Report NOW. Also, need to know, to whom, when, and why, you may have or believe you have received a request for my free report as well as where you sent that free copy if not to me. This Is an Urgent Request you my contact me by email or phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 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:
Contacted XXXX collection agency and original creditor, neither could provide detail information regarding this account. the collection agency states they dont have to account anymore it was pulled from their services. All that was give to me from the original creditor was account number and my personal information that was used. No further information regarding discharge info or signature of documents. I have disputed this and have yet to get a responseCollection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My loan was transferred or sold to another mortgage company and it shows on my credit as a collection account, paid status not reported by all bureaus. Due to this my credit score is lower and I received a higher interest rate when I refinanced.

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 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ XXXX XXXX. statue XXXX ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX XXXX a ) ( XXXX ) [ statue XXXX ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from 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 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I requested a " free '' credit report from Experian online and was asked to enter my credit card for a {$1.00} charge to have the report sent to me. In XXXX, I noticed that Experian had been charging my XXXX Visa since XX/XX/XXXX for some kind of membership that I did not request nor agree to. It costs {$21.00} per month and the total charges I have paid are {$130.00}. I have repeatedly attempted to cancel the membership and reverse the charges without success. I have requested that Experian refund all charges from XX/XX/XXXX to XX/XX/XXXX, but they have refused. It is still unclear to me whether this membership ( and associated charges ) is now cancelled. There are numerous other complaints similar to mine posted on-line and they number in the XXXX. The people affected by Experian 's practices probably number in the XXXX because of the likelihood that not everyone will post this problem on line. Experian 's customer service representative admitted he received numerous complaints just like mine, but does not make and can not change " policy '' for Experian. Please put a stop to this practice. It is rampant and a simple XXXX search for " Experian unauthorized charges '' will reveal how extensive this fraud is. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Received Notification That Experian Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Experian Credit Report Is Still Showing My Debt As {$4800.00} And This Is Not Correct. And The Credit Reporting Agency Should Know, That The Balance is Zero.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are things on my credit that should not be on there. I had my wallet stolen and my information was all in there and now i have things that are under my name that was in my wallet that needs to be disputed with the creditors and taken care of immediately because of it damaging my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

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 have 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 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
We called reporting credit bureau, they said my personal report had no record of an eviction. But they said there are other reports that are used, like in this case .... tenant screening report. The information on that report was wrong. That eviction was a sealed court document that was dismissed. We have copies and a telephone number of court / contact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XXXX. Consider keeping your old accounts open. 
***REMEMBERING ''THE BELOW STATEMENT FROM EXPERIAN '' ... ... ***The length of your credit history is considered by many credit scoring models, so your old accounts may be doing more for you than you realize. The longer that your positive payment history is, the better it can look to creditors trying to discover how long you 've handled credit responsibly, and have been in good standing. Old open accounts can show creditors you have been savvy with your credit use for an extended period of time, which can make them feel more at ease. 

***PLEASE HAVE ''EXPERIAN CREDIT AGENCY '', TO PUT BACK ON MY CREDIT REPORT THE OLD ( XX/XX/XXXX EXTABLISHED ... WITH ''XXXX CREDIT CARD '' ... .THRU XXXX ... .THAT WAS TAKEN OVER BY : XXXX XXXX. 
I NEVER MISSED ANY PAYMENTS ... ... NEVER LATE SINCE XX/XX/XXXX. WHY? WAS THIS TAKEN OFF ....? I NEVER MEANT FOR THIS ITEM TO BE TAKEN OFF BY ''EXPERIAN ''. 

PLEASE RESTORE THIS ITEM, WHICH WILL IMPROVE MY CREDIT SCORE, WHICH NOW STANDS AT : XXXX ... ... ... ( REMEMBER I WAS AT : HIGH OF XXXX .... ( XXXX ... .XX/XX/XXXX ... ... WHEN I WENT TO XXXX TO GET MARRIED & HAVE MY SON. 
CAME BACK TO FIND THERE HAD BEEN XXXX COMMITTED ON MY SSAN & NAME. 
PLEASE ADD THIS CLOSED CREDIT CARD FROM : ''XXXX '' ... .. ( XXXX XXXX CREDIT CARD ) ... ... RESTORE TO MY CREDIT FILE. 
Thanks., XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21 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:
Experian has reported several accounts on my report that are not mine also too many inquiries that I did n't authorize, Please help, these the names : Creditors : XXXX XXXX XXXX There 's XXXX accountsAd XXXX XXXX XXXX, XXXX XXXX, Credit Bureau XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX- XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX AND EXPERIAN ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer XXXX . Subsequently XXXX providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at XXXX suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to XXXX up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the XXXX. All support history is attached. 
Experian is the only credit bureau who has refused correct the reporting mistakes by XXXX both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list XXXX as verified/updates with incorrect dataAttached : XXXX report of Experian reporting agency show the account status as deed in LieuAttached : Sherriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Attorney General of the State of Ohio sent expungement letters to Experian requesting they remove XXXX liens which were on my report. I sent a certified letter to Experian requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 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:
I am having an ongoing issue with Experian. Someone used my personal information to obtain credit in XXXX Colorado using a fraudulent address. They were successful in opening up an account with XXXX Account number XXXX. I filed a police report and sent it to Experian and they successfully blocked the account but later unblocked the account saying that they received information from the creditor that it was reporting correctly. They disputed the account and the account was removed from the file later it appeared again. I called XXXX and spoke to XXXX at phone number XXXX and she told me the account was flagged as fraud already and that Experian was notified to remove the account yet experian has not removed the account from my file. I contacted experian today and they did not want to help me. I am stuck in the middle of a horrific situation and experian has not removed the fraudulent addresses in XXXX coloredo from my 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 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
About two years ago, i reported information about an account that had been paid in full. I submitted my check showing the amount was paid. The CRA were reporting it in XXXX places. Once as XXXX XXXX and then as XXXX. The payoff was made to XXXX which brought out XXXX XXXX. This negative information was taken off. I applied for a car loan and rec 'd approval for 12 %. knowing that can not be right, I checked my credit report only to find that XXXX XXXX and XXXX had reinserted the information again for the same XXXX debt with a deletion date of XXXX but a recent reporting date of XX/XX/2013. In order to be clever to say they complied with FRCA, they put down that it was disputed. Since the debt appears twice, which one is disputed and since I proved that is not owed, why did they put it in my report again? CRA says I can not sipute agin becuase it has been investigated once before. Holy cow-are they just that stupid or just corrupt. This is a nightmare phantom bill that will not go away unless I decide to sue which is becoming more likely. can you get an answer for these people on why they put that information BACK on my credit report with an obvioulsy false reporting date to make it look recent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My creditor XXXX XXXX has reported twice on Experian. Once under loans and another under Litigation. This is facing a judgement in public records. Due to this / This loan was deleted from my XXXX account. XXXX only report it once. A previously opened charge card. XXXX XXXX that is delinquent and charged off was reported with an incorrect open date of XXXX/XXXX/2013. This account was deleted with the dispute and was reinserted with an open date of XXXX/XXXX/2013. This account is closed but it is reporting a fresh charge off every month. It shows on my credit as a new account. These items are ruining my credit, could you help. XXXX XXXX also reports it as a fresh account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX- collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on XXXX , no date on XXXX and XXXX on Experian for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.

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 — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In response to a Experian credit report issue, they continue to report XXXX inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XX/XX/XXXX-XX/XX/XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately. This account specifies in the payment status that I was late when I never was and the reporting history does not even reflect it it actually contradicts it. Please delete immediately. Also be advised this is new and material evidence that was suggested. You are bound by FCRA, FTC and HEA laws please follow them.

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 2015-08-03 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:
I have sent Experian requests to investigate and remove accounts from my credit report that do not belong to me and they are ignoring my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief