vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
hello, there are XXXX things on my report that I have verified with XXXX XXXX XXXX that are incorrect on my Experian Report, and XXXX stated they have contacted Experian to remove this verbage and incorrect statements. " Paid in Settlement {$220.00} written off '' is a false statement, and inaccurate information.I was told by a XXXX representative, it should read Account Paid Account Closed. It also shows a CHARGE OFF in 2015. There was nothing charged off in 2015!!, and I want that corrected as well. There was no activity on my Honda Accord in 2015. Please help me. Thank you so very much!

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is incorrect personal information on my Experian credit report that needs to be deleted. 

Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2016-08-02 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:
In my initial FTC report, I did n't notice some fraudulent inquiries that also need to be disputed resulting from Identity Theft.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have only went by XXXX name my entire life. There are XXXX names that are not me, reported on my credit. One is associated with a misdemeanor. I have never been married. my birth name is the only name I have ever went by.

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 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX, Case Number : XXXX. TRANSUNION, DELETED the Bankruptcy from my Credit Report ( SEE ATTACHED ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, mortgage : XXXX XXXX in dispute : XXXX XXXX report # XXXX XX/XX/XXXX, I contacted Experian to dispute a delinquent payment on my credit report. I was advised the mortgage company had to correct the late pay and resubmit to the credit bureau. I sent my mortgage company a copy of my XXXX postal tracking # It was mailed as a 2 day priority. 
As of today, this is STILL showing delinquent on the credit reports. Per Experian, they closed my dispute in XXXX hours, referred me to my mortgage company and to date, have not corrected or removed my late payment as an error or acknowledged as such. 
EACH late pay cost me XXXX points on my credit report. For them to force a lower score on me is questionable and unethical. It appears that they use " late pays '' as a means to force people to purchase their credit products. 
Today, XX/XX/XXXX I contacted my mortgage company yet Again and was advised the XX/XX/XXXX is showing current in their system. 
Please advise. Thank you for your time. 
*******************IF you choose to publish this, PLEASE REMOVE MY CREDIT REPORT NUMBER! THANK YOU! **************************************************************

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

Complaint narrative:
I have a tax lien on my Experian credit report, lien does not appear on any other report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit agency would not delete wrong information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX offered me a payment plan but continues to report my gold card late. I have been paying XXXX dollars per month, but XXXX has not reported this agreement 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 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is displaying improper information that I have disputed several times for the past 2 years. I have consistently called and disputed the information for all XXXX credit burials. Not only is the information up 8 years old but its against the law. It has caused me financial hardships and I am currently still trying to find away to remove the information from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently saw that my credit score had been downgraded on Experian based on XXXX releasing this information to Experian. I spoke to a Experian agent XXXX XXXX XXXX on XXXX XXXX and the course of action recommended was to complain to XXXX and Consumer Protection. 
The history of this in fact is as follows ... 
The dispute on the amount of payment has been going on since XX/XX/XXXX 2015. I have evidence when I have repeatedly reached out to XXXX via social media, contacted XXXX via phone to settle the account. 
I even supplied evidence of the disputed account to XXXX collection agency on XXXX XXXX. Then supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. 
The most recent encounter was again me contacting XXXX XXXX to settle the account, only to be told that this was with the collection agency. The account has since been settle and closed. XXXX XXXX XXXX 2015 with XXXX XXXX of New Jersey XXXX. 
The question is, that this account has been in dispute since XX/XX/XXXX, there was no action from XXXX, till i called them to settle the account in XXXX, after which it was promptly reported to the Credit agency. This is unfair and I am being penalized for trying to do the right thing.

Company public response: Company 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 — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On Monday XXXX XXXX, 2015 i have been trying for hours to have someone at Experion assist me with items that appear on my credit report in a negative way. The website does not allow you to dispute any items, gives you a message to call XXXX #, you speak with someone and the leave you on hold and never come back on the line.I want them to clear my report of all negative items as soon as possible. Experion keeps transferring me around and no one will help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Someone tried to get a loan using my personal information from " XXXX '' on XXXX XXXX, 2015. That inquiry was fielded by Esperion and it is impossible to get the XXXX digit number to dispute the inquiry. There was also an inquiry in XXXX from XXXX XXXX with someone trying to open a BUSINESS in my name. I will be able to have that inquiry withdrawn by writing a letter. However, the XXXX XXXX people have been unhelpful and these will adversely affect my chances of obtaining any kind of decent credit rating in the foreseeable future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 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 a subscription with Experian, and there is information on my report which seems inappropriate and counterintuitive. Background : Until last week, I had an open, non-mortgage loan with the Federal Government, and this loan was listed on my credit report as an item that was hurting my credit score. I have since paid off [ early ] the entire loan, and this has finally been recognized on my credit report, as my score went up slightly. However, I still have the same number of negative items ( 3 ) on my credit report. XXXX items have n't changed for a long time, but now there is a new " negative '' item that is hurting my score - " NOT having an open, non-mortgage loan! '' So, now my score is apparently negatively impacted by NOT having an open, non-mortgage loan. Until last week, HAVING such an open loan was the negative item. I contacted Experian about this, asking how having such a loan could be negative while now I have a negative item by not having such a loan. Experian replied by saying that it 's not a credit bureau but, rather, an online provider of reports, scores, and credit monitoring. I replied to them with a screenshot of their home page, which contains a link to purchase a " XXXX-Credit Bureau report '' ( since Experian is apparently not a Credit Bureau, I imagine that the report on Experian 's home page pertains to XXXX other agencies. In this era, so many decisions - some moderately important, some critically important - hinge on one 's credit report/score, and I feel that, as a consumer, I should be entitled to know the extent to which items on my credit report are either increasing or decreasing that very crucial metric, known as the credit score. Instead, I receive a suggestion to contact a credit counseling agency. I have no idea how an arbitrary credit counseling service would be able to explain Experian 's methodology to me, let alone why having an open, non-mortgage loan would have a negative impact while, now, NOT having an open, non-mortgage loan would have a negative impact. Why ca n't consumers know how the credit score is calculated when this score can literally shape a person 's life. 

Regards, XXXX XXXX

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: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: ID

Complaint narrative:
I fell behind on student loans, not because I did not want to pay, but because we could n't pay. We have finally gotten to a point where we can begin making regular monthly payments starting in less than 30 days. Unfortunately, I had XXXX private student loans that went into default at the end of XXXX of XXXX. The accounts have been sent to collections. The collections companies refuse to work with us on payments. They are requiring large amounts of money right now and threatening to ruin our credit scores if we do not comply. We are unable to comply. We have tried calling the original loan servicer to set up monthly automatic withdrawals if they will just bring our loans back out of default. They refuse. All I am asking is that they take these accounts out of default and allow us to set up payments. We are still willing to set up automatic withdrawals. We want this resolved in a way that is not catastrophic to our credit scores or our ability to provide for our family. I hope that we are able to convince the original servicers to work with us, as we are willing and now finally able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting a XXXX account that has been taken out through identity theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On my Experian Credit Report, the collections account " XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Experian has n't removed it yet. I received a letter in the mail saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

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 2015-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent them a letter is regarding an account that I have not had. XXXX note the attached document from the secretary of state of Ohio. 
I have no affiliation with this company. Its a business credit card processing application. 

I sent them proof from secretary of states office ( attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted each credit company to dispute all of the incorrect information on my credit reports. XXXX particular items were fraudulent accounts that were not authorized by me. The items where included in a chapter XXXX however I disputed those prior to the bankruptcy. I dont feel those accounts should be reflecting on my reports. Its hurting my account and its not my debt.

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 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not authorize a web site to perform multiple credit inquiries with several companies for an auto loan. I completed their application online but when I got to the part to authorize them to perform the service, I ended my application. They then went ahead and did a credit inquiry with several companies, including XXXX, XXXX, XXXX, XXXX. 

Experian refuses to remove these excessive inquiries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 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:
I WENT TO ORDER MY CREDIT REPORT ON LINE AND IT DENIED ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 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:
i have several items that do n't belong to my credit history i have called and have sent all required info my ssn card, my drivers lic, anything they ask from me. please help me. 
these are the accounts that do n't belong to me XXXX i have called all these companys several times with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my formal complaint concerning the XXXX major credit bureaus validation methods. My name XXXX XXXX XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a zero balance. 
I contacted the XXXX major Credit bureaus, XXXX, Experian, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?

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 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XXXX XXXX I experienced a foreclosure in the state of Arizona. I had a XXXX/XXXX/XXXX. The XXXX lien was with XXXX XXXX XXXX and the XXXX lien with XXXX Bank. XXXX XXXX XXXX has reflected the foreclosure since XXXX. XXXX Bank was reporting the {$25000.00} XXXX lien as closed since XXXX XXXX ; however, it came to my attention that my DTI was extremely high. This was odd since I do n't carry balances on credit cards. I have been building my credit back up over the course of the past XXXX years and it was in the XXXX zone if not higher. I reviewed my credit report and XXXX Bank was reporting that I owed approximately {$24000.00} a month in monthly debt obligations. Absolutely not. I disputed this and they corrected it. But when they corrected it they claimed the charge off to be XXXX XXXX. I have already experienced the devastation of my credit in XXXX and XXXX. I am now being penalized again for the same event by XXXX Bank, but today, XXXX XXXX. I have called XXXX Bank and I get no where. Experian says their hands are tied. This is violation of FCRA and I am being penalized for the same thing that I have been rebuilding from. I just received a notification that my credit score, from being XXXX in XXXX is now a XXXX. I have 8 % DTI. I 'm seeking help. I have also inquired with a lawyer if I ca n't get this resolved. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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:
On or about I sent in a dispute to Experian regarding XXXX collection accounts. I have not received any response regarding this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Machol & Johannes, LLC
State: UT

Complaint narrative:
Dear XXXX I am responding to your contact about a debt you are trying to collect. You have identified the debt as " XXXX XXXX Bank, XXXX ". I received your notice via my land lord __________, the notice was not in a seal envelope, and was given to a XXXX Veteran who has XXXX and is confined to a small living area above my basement conversion apartment that I rent and use when in Utah. I am not sure on the date received or how long he had it on his coffee table. It was upsetting to him and I like my personal business mine. ______ said a man in a truck banged on the door and handed it to him when he finally was able to get to the front door and open it. I will protest this method of delivery. XXXX XXXX XXXX XXXX ] XXXX ( b ) " Illegally inform a third party about your alleged debt '' Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except : Your attorney The creditor The creditor 's attorney A credit reporting agency Your spouse your parent ( if you are a minor ) [ XXXX XXXX XXXX ] XXXX ( b ) How long do I have to respond? Utah Rules of Civil Procedure require that a response be made within 21 days of service. The 21 days begins the day after you were served the Summons and Complaint. Weekends and holidays are included, but if day XXXX is a holiday or weekend then the response will be due the following weekday.

Company response to consumer: Closed with explanation