vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on XXXX payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?

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 2015-03-23 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:
After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I 've attached a PDF that explains what I 've attempted to have removed from the XXXX credit bureaus. My XXXX frustration and complaint is the inconsistency of reporting between the XXXX bureaus.My XXXX frustration and complaint is the inability to remove someone else 's public record ( Judgement ) that is on XXXX of XXXX of my reports. My final frustration and complaint is the fact that there are multiple levels of credit reporting and scoring ( consumer and industry ) that are only available to industries such as Mortgage, Credit Cards, and Auto. These industry level credit reports vary greatly from the consumer reporting and scoring. And they are fraught with errors greater than the consumer reports. In my case the mortgage credit report has scores 25 % lower than my consumer report and the XXXX public records on my consumer report are duplicated to show XXXX public records on the mortgage report. XXXX has someone else 's address and refuses to correct it to my address and they have XXXX public records that have {$0.00} as the amount ... yet they refuse to remove. These public records are explained in the PDF I 've uploaded to you and they need to be removed ASAP. XXXX has removed the judgement XXXX XXXX of XXXX public records ). Experian also refuses to remove the XXXX public records. The only good news is that on my consumer reports a XXXX lien of {$120.00} was removed by all three consumer reports BUT is present on my Mortgage report ( All XXXX Bureaus ). In other words, the XXXX bureaus remove the {$120.00} lien that was in error, but kept them on the mortgage reporting and scoring!! So, in conclusion I see no purpose or value to the consumer reporting and scoring since the lenders, be it auto, mortgage or credit card, have significantly different scores and reports from the same XXXX bureaus ... and removing from the consumer products does n't guarantee removal from the industry product. This is so unfair on every level. And the consumer has no access or ability to contest or correct the industry level credit reports or scores!! Government needs to simplify and create an oversight department that governs them and keeps them honest. Please read my PDF and help me. After 37 years as a XXXX I 'm prohibited from getting a mortgage due to errors on my consumer reports and inequalities with errors on my industry reports with with only foreigners and non-US citizen to deal with over the phone and via mail/fax. That 's the strangest twist of this entire story. People outside of the USA are making decisions for US Citizen 's credit woes!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2016 Experian credit report is reflecting incorrect account information which is old and has already been paid off since XXXX XXXX, 2016. I have made contact but was told this was the most recent account information that was being received by the Creditor as of the date of the report. I have spoken to a representative at Experian to dispute the item. She advised me to upload the supporting information reflecting account paid. I attempted this function for 2 days and finaling mailed all copies to support my account being paid in full with tracking from the mailing service. This information is going on 4 MONTHS OLD AND DOES NOT ACCURATELY SUPPORT A TRUE CREDIT REPORT OR CREDIT SCORE. As of today, I have not received a response back from Experian but I do expect a response since notification has been received the supporting information I mailed has been picked up by a person from the XXXX XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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 disputing with all three credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX 's due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( shotgunning ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved.

Company public response: Company 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: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have contacted Experian about my credit information 14 times, through the web and several calls. The problem is the personal information that I am providing, name, address, and SS, that I am providing, does not match what they have in the system and I told them that is who I am and I can prove it. But, time and time again, they kept telling me sorry we can not help you unless I provided the correct information, which I told them that I am and they basically said, sorry we can not help you. I kept asking who I can talk to, so I can show them who I am and prove to them that who I am is the person with the SS, but they kept telling me sorry we can not help you, because the information I provided does not match what they have in the system. After the 14th call and several weeks of trying, I went straight told the person that I needed to talk to their supervisor and I told the supervisor, that the problem I having is my personal information that I am providing does not match their system and that I can prove who I am and that my SS and all information that I can provide is correct and what Experian has is wrong and I believed someone is using my SS. I asked her who can I talk to or how can I make an appointment to see someone to show them all the proof I have on who I am and get this fix, which was affecting me getting a car loan and to my surprise, after I gave my personal information to the supervisor, she said, sorry we can not help you, because the information that I provided does not match their system. Keeping my calm I said to her, I know, that 's what I told you at the beginning of the phone call and that is why I wanted to talk to you, because I believe someone is using my SS and she basically said, sorry since the information you provided does not match what is on file, they could not help me. I could n't even open a dispute because the information I have does not match their system. That was about 3 years ago and time and time again I keep getting denied credit from companies that only use Experian as their only source. The other XXXX reporting agencies I have no issues with and can view all my credit information, except Experian. I stopped trying to get this resolve, since I figure there was no help, till I read about this page that can help people like myself. 

Thank you very much for your time and quick reply,

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 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX out of XXXX, Oklahoma has been incorrectly reporting the status of my mortgage with them for at least 6 years. I have attempted, on numerous occasions to get this corrected, to no avail. 

On XXXX XXXX, 2015 I submitted complaint number XXXX to the Consumer Financial Protection Bureau, as a Mortgage complaint. I was then advised to submit another complaint under credit reporting. 

Case number XXXX was forwarded to the FDIC for investigation. The attached information is in addition to previously submitted information for these complaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 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:
XXXX is reporting i owe them XXXX, it is untrue and they refuse to remove the derogetory mark from my acct

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX accounts that are reporting incorrectly I have disputed several times and experian refuses to investigate Account XXXX XXXX XXXX account is reporting incorrectly Account XXXX XXXX XXXX account is reporting incorrectly

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 2015-04-26 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 requested a credit report online from Experan. They show a false current address. I 'm not sure how to dispute or fix this. 

thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian reinserted a collection that was deleted due to inability to verify/validate the debt. I recently received notification via a credit monitoring alert that a new collection had been added to my account for a XXXX debt that, prior to this action, at remained unable to be verified/validated. To date, I have received no correspondence/information from Experian in regards to the previously unverified, dormant, and deleted information regarding a XXXX debt that I am not liable for being reinserted into my credit file thus causing a significant drop in my credit score. Per FCRA sec 623 I am requesting disclosure of any and all documentation that was used to validate the data and/or justified re-adding it to my credit profile. If the requested information can not be provided then I request the derogatory information be removed from my credit profile.

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 2015-04-05 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:
Experian claimed they had removed all of these fraudulent inquiries but again despite sending the an inordinate amount of law enforcement affidavits they have done nothing. I still have them stuck on my report, I continue to provide them the accurate information. I pay a sacrifice to this country by entering the military to support what? A group of individuals that think they can break XXXX XXXX XXXX? This is not what i fought for, to defend the rights of corporations like this to take advantage of ex-military. XXXX, some of these inquiries are anti-logic. For example the XXXX account, which was included in the report should have been blocked as officer XXXX and XXXX said. As it was entered into the DOJs Sentinel. XXXX, XXXX did not pull my report XXXX Times in a row. They have been adamant they have never done that and asked Experian to mask them. 

Experian Has yet to respond to anything I send, nor even to the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX AND EXPERIAN REFUSES TO CORRECT THE MISINFORMATION THAT IS BEING REPORTED BY XXXX. I WANT THIS INFORMATION THAT IS ATTACHED BE SUBMITTED TO THE CREDIT BUREAUS AND ATTACHED TO MY CREDIT FILES REFLECTING THE DIFFERENCE IN WHAT XXXX IS REPORTING TO THEM AND WHAT IS BEING REFLECTED IN THEIR INTERNAL FILES AND XXXX REFUSAL TO CORRECT THEIR ERRORS.

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 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agency will not block the fraudulent addresses and accounts off of my credit report due to fraud. I have disputed these same items over 2 years.

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 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These issues are with experian as to the following, they are reporting a balance and a payment on a XXXX XXXX XXXX mortgage account ( XXXX ) that they also show discharged in the same column which they previously were told to fix by XXXX XXXX XXXX in another complaint.Also the same mortgage they are reporting a balance and a payment with the same information that its discharged for XXXX XXXX XXXX ( XXXX ) .They are also reporting a high limit that is inaccurate period.They are double reporting an account XXXX with different account numbers.The ( XXXX ) as positive and closed and ( XXXX ) as negative, clearly inaccurate.I was previously told by XXXX lawyer that they dont report to experian at all so how could they be accurate, because experian says they only report what their clients tell them.How can my report be fair and accurate as i am by law entitled with these inaccurate entries?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is a credit report agency. In order to view your credit report with your score you must pay {$1.00} and then they AUTOMATICALLY enroll you in their credit monitoring service for {$21.00} a month. There is no way around this. Then if you do n't cancel within 7 days, they charge you the {$21.00}. This is in small print. They do n't send you a reminder email or anything. They are hoping that the average consumer will forget about it until they charge you. Then, even if you cancel as soon as they charge you, they will not prorate any of the money back to your account. This is not fair to consumers. The onus should not be on consumers to opt out of something seven days later. You should be able to opt out of the service immediately. Also, if you cancel they should prorate the unused portion of the service. A company SHOULD NOT be able to rob hard working Americans of {$21.00} through these sneaky tactics. I expect more from an agency who is has so much power over the livelihood of American, but instead they are robbing us. CFPB, please make this company change this policy. It is unfair and predatory and this company is making money not by providing a service, but by hoping that Americans are inattentive and forgetful. It 's not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Well I first noticed a problem in 2005 with XXXX credit card bills that were not mine than another card had been issued unaware of what I was beeing asked to pay I began to repeatedly call them about bills told the to turn off the card or cards. Sent them mail. I then received notification of a car and a mortgage. I live at home watching my mother who was in hospice and ill military widow until her recent death. I also just received notification that someone tried to do my taxes from the IRS. I also looked at a judgement page were I am receiving JUDGEMENTS NOT RECEIVING ANY PAPER WORK. My name in different ages etc. It is effecting my job applications and rental applications. I tried to get a copy of my own credit report and new none of the answers because the info is not mine or to my knowledge at all. I will change my name soc what ever I have to do. Thanks for your help. Sincerely 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 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Iam filing this complaint becuse Experian has ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Recovery Management
State: MS

Complaint narrative:
On XXXX XXXX, 2016 I was notified through credit monitoring that I had a collection in the amount of XXXX on my credit profile from Fox Collection. Prior to seeing this on my report I had no idea of who this company was and why were they on my report. After I looked the company up and contacted them they advised me that I owed them XXXX from a past due medical bill that I was not aware of. After a lengthy conversation I was told that they had the right to put it on my report even with me not being aware of the bill. She said that they mailed a bill to me in XXXX and I probably did not read it because it was not labeled from an collection agency. I am trying to find out is it fair practice to make only XXXX attempt to communicate with a customer and then place it on their credit profile. I have no problem paying the bill if they are willing to take it off of my credit profile because truly they made no attempts to contact me to make me aware of the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
The amount that the collection agency claims i owe is more than what is actually owed ... .and they are trying to collect on a much higher amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation