vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Previously deleted information from XXXX XXXX XXXX on Experian ; recent balance and payments incorrect on XXXX, XXXX XXXX XXXX ; Protect MY ID, a subsiduary of Experian Consumer Services had my wrong birth date, incorrect city where I was born, and mother 's maiden name. Reference numbers for the complaints : XXXX ( wrong birth date ) ; XXXX ( system would not take my password or username because it converted information to lower case ) ; XXXX ( incorrect city where I was born ) ; I could not ever get into my ProtectMyID account after speaking with XXXX ( XXXX ) Experian and its ' division have improperly processed my credit information and causing my credit score to be much lower than it should be. XXXX kept deleted items off credit report ; however, Experian adds them back on. Experian employees always give me a very difficult time when I attempt to correct these errors. I spoke with the ProtectMyID on today, XXXX XXXX, 2016, requesting a review of these errors and for Experian to contact me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: DISCOVER BANK
State: MD

Complaint narrative:
My private student loans that are currently in repayment with Discover Student Loans have an astronomical interest rate and minimum payment. After having a huge mishap on their part because they were unable to inform me that I had missed a payment, decided to refinance with another loan carrier. In this process, I needed to contact Discover to print me a new statement that showed I was current with my payments and had no balance left over for the month so that I could send my completed application to the bank I was refinancing with. After telling me that they would send the new statement, I waited five days and never received it. They " sent me another '' statement. Another three days and never received it. I was then told that they could not even make me a new statement hat showed this information and that they would fax a lenders letter that showed the information I needed. I waited four days for that fax and called everyday. Those four phone calls ended with " it will be sent in the next 24 hours. '' Finally on day 4, I spoke to a supervisor who actively attempted to fax the letter himself. Of course, whether it was my fax machine or theirs, I 'll never know, but the fax failed. They then overnighted me the letter. I now have the letter, however the exact information that I was clear about needing is not on the letter. They are now overnighting me a letter that they claim has the information I need. Regardless, because this whole process has now taken almost a month, I have, once again, paid my minimum payment which is XXXX % my monthly income as a teacher. All I needed was up-to-date information about my loans and all the money I have been paying them. A month to receive that information is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN PERMITTING XXXX BANK TO COMMIT CREDIT REPORTING FRAUD ( XXXX ACT ) BY REPORTING STATUS AS CHARGED OFF {$3900.00}, AND RECENT BALANCE OF {$4100.00}. THE CORRECT BALANCE IS {$2800.00}, AFTER A INSTALLMENT PAYMENT WAS MADE ON XXXX/XXXX/XXXX FOR XXXX OR {$2800.00}, SEE ATTACHED, THE SETTLEMENT AGREEMENT IS $ XXXX {$230.00} OR $ XXXX BALANCEDUE. BECAUSE OF THIS CONFLICT IN BILLING I DISPUTED THIS WITH EXPERIAN UNDER XXXX 3 TIMES WITHOUT CORRECTION IN VIOLATION OF XXXX ACT.DELETE THIS ITEM TODAY OR BE SUED OR CHANGE TO DISPUTED UNDER THE FAIR CREDIT BILLING ACT OF XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Information that should have been added to my credit profile as i have requested was not and it should be added in order to show positive history and payments just as creditors have the right to report it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 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: CA

Complaint narrative:
Im trying to get my free annual report and its not letting me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The credit limit and and credit balance is being reported incorrectly from all XXXX credit bureaus for my XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.

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 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

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 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 2016-06-18 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:
I have discovered several accounts that did not belong to me and I would like them removed from my 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 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am unable to talk to this company as they refuse to confirm my identity because they had my date of birth incorrect they put a fraud alert on my report and I have sent them XXXX letters with my license social and SSDI paperwork and passport and they will not remove this alert they ' refuse to allow me to log in and I have been on the phone for days months years please help me get then to remove that information as it is affecting me to get credit cardsThank youThe case number is the most recent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You are now in direct violation of the FCRA. It clearly states this in your response prior that it will take within 30 days which was XX/XX/XXXX. It is now XX/XX/XXXX and still no response. 
We respectfully request that the item in question be removed from my account ASAP.

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 2016-07-22 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:
Experian continues to report an item that was not validated and refuses to remove : XXXX - Experian - Revolving - XXXX XX/XX/XXXX XX/XX/XXXX - {$1800.00} - Due {$0.00} - Late Over 120 Days {$580.00} - CONSUMER STATEMENT : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. ACCOUNT DELINQUENT 150 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX CHARGE OFF ACCOUNT CLOSED BY CREDIT GRANTOR LAST PAID : XX/XX/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 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian, In 2011 we filed BK and ever sence we have had very good credit but experian keeps filing on record what was filed in 2011 you can pull my report and see what they are doing, if this is the way that credit companys are allowed to operate than we do n't need federal laws concerning BK Heres a example of there report, Serious Delinquency and Public record or collection filed, proportion of balance to high credit on bank revoling or all revoling accoumts, number of accounts with delinquency too many inquires in last 12 months, note in the last 12 months I have made only XXXX requests and other requests were just made by companys for there info, the credit beaures have a obligation to assist people not ignoring what is sent to them they shoud be questing items when filed or advise people what is being sent, when BK is filed that should clear all back records on file and after 7 years record should be clean they are ruining a person credit by what they are doing. 
XXXX XXXXXXXXXXXX

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 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute the disposition of the date closed on XXXX accounts on my Experian Credit Report. These accounts were with XXXX XXXX XXXX XXXX, and show the date " negative '' as of XXXX, but they were closed on XXXX/XXXX/13. XXXX XXXX closed and wrote off all of my counts even previous to my filing for bankruptcy and at the time of bankruptcy notified me of such, as well as notified me that my membership was terminated. It is impossible by virtue of this fact, that the accounts are shown with a " negative '' over 1.5 years later. Experian has claimed these items to be " verified '', but they are inaccurate.

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 2016-11-13 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:
About two months ago I contacted Experian about Identity theft. 
This item was not removed from my credit report there was another Item that was removed because of Identity theft. My family and have been a victim of this on going problem It has been hard to get Credit the little I know about this Item is that it is a Medical COLLECTION.Please note we have Insurance and I am attaching it documents. 
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 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX received my credit report from report number XXXX Experian company XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX phone number XXXX XXXX XXXX acct no XXXX address identification number XXXX what is wrong is they are saying we went bankrupt chapter XXXX on XXXX XXXX XXXX which it should say XXXX XXXX XXXX and then it says the loan was modified which the terms are susppose to stay the same it was transferred from XXXX status they are saying we are past due {$3200.00} as of XXXX XXXX this is wrong we have proof of all payments. We have one payment behind of {$1000.00} not our false XXXX gave us a modification in XXXX and they took it away because they said we filed bankruptcy and so we paid {$800.00} because they did not tell us because they claim they could not communicate with us. So we have been catching up by paying {$1200.00} and what ever extra money we can pay. For 5 years been trying to get caught up during our chapter XXXX bankruptcy so now we are dealing with XXXX since XXXX XXXX XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00} carried over from XXXX unapplied funds {$840.00} our regular mortgaged payment is {$1000.00} so we carry over {$100.00} x XXXX = {$400.00} Which brings the total in unapplied funds {$1200.00} enough for a payment that we are behind on plus XXXX paid one we were behind on to which leaves only one payment left there saying we are behind three payments of {$3200.00} this is not accurate and I talked to XXXX XXXX XXXX XXXX and XXXX and they said I am wrong and this is accurate I want something done please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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: TN

Complaint narrative:
For employment purposes I was directed to experian to receive a credit report to confirm my identity. For the past 5 weeks I have attempted to do this with them via online, phone, and mailing in physical copies of my own personal documents. To date, they have been unable to provide me a credit report. I have emailed them regarding this about 3 weeks ago - no response. Called them numerous times speaking with multiple customer service reps including XXXX supervisors - still have n't gotten anywhere. When speaking with them they direct me through the same steps every time as if reading a script and none of them has been able to actually help me with this process. The kicker? Went to transunion tonight and got my report in 5 minutes. Unfortunately my employer has a contract with experian so my report must come from 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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Requested copy of credit report on XXXX XXXX 2016 so that I may disputed incorrect items being reported.

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 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

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 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 that can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have notified Experian that I have been a victim of identity theft. The following accounts do not belong to me : 1. XXXX 2. XXXX 3. XXXX 4. XXXX Please assist me in getting this matter resolved.

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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. 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