vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX, XXXX dba XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX, Telephone XXXX, is acting as a Consumer Credit Reporting Agency and refused to follow the FCRA. My recent application for an apartment rental was denied based on inaccurate data contained and reported by XXXX, XXXX. In addition, this company has refused to provide a copy of the consumer credit report used to based their decision, refused to allow me to dispute any inaccuracies or information contained in the report. 
XXXX, XXXX is reporting a non-existing collection item and telling their client the information is on my Experian Credit report and coming from a Experian product that screens tenant selection. According to Experian no such item is currently showing my credit report. I have ask Experian and XXXX XXXX to provide a copy of this report and to date both companies have refused to supply a report or disclose the source of the inaccurate information. Experian also is refusing to explain why the consumer credit report is showing no such information, but other products sold or credit reporting companies acting on behalf of Experian is reporting inaccurate information.

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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Public information should be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting the wrong address on my credit report. I spoke with Experian 's rep on XX/XX/2017 and they indicated that I would need to send them a Utility Bill, Social Security Card, and a Drivers License in order for them to update my address. However, I do not provide that kind of information to public corporations such as theirs. I also explained this to them when I uploaded my dispute documents with the correct address on there.

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 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are two accounts on my credit one is for a company called XXXX, and they have advised me that they have sent over a deletion to Experian on two different occasions and it has never been deleted. The other account is XXXX, and they have deleted this account once before and now they have placed it back on the credit report.

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

Complaint narrative:
On XXXX XXXX, 2015, I sent Experian a certified letter requesting that they investigate information on my credit report as the information is outdated, inaccurate, and or does not belong to me. Experian signed for the letter on XXXX XXXX, 2015, to which I advised them that they had 30days to investigate my request and respond accordingly. On XXXX XXXX, 2015, I sent a follow up letter to Experian in which they signed for on XXXX XXXX, 2015, which i advised them that 30 days have past and i have not yet received proof that they have validated the information. I advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit, bureau, I requested that they immediately delete the information from my credit report. As of this XXXX day of XXXX, Experian has not complied with my request, which is a violation of my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The addresses is reporting incorrectly on my report.I have no knowledge of any of these addresses other than my current residence, XXXX XXXX XXXX XXXX CT XXXX. 
this has been my address for 10 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 explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX sold or transferred a XXXX XXXX account ( XXXX ) to XXXX XXXX. This XXXX account number XXXX has since been resolved. A full and final resolution resulted in the removal of the XXXX line item from all XXXX of my credit reports. Experian has not removed the XXXX XXXX corresponding line item from my Experian Credit file, but they have removed the XXXX line item. All other credit bureaus have removed both the XXXX XXXX and the corresponding XXXX XXXX line item from my files.

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 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent many letters explaining in DETAIL what personal information and accounts I want to be investigated. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''

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 2015-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NH

Complaint narrative:
Initiated loan refinance with amerisave in XXXX 2015, it is XXXX and loan is not closed. My credit my ability to pay and documentation have been provided. The damage to me financially by not closing in a reasonable amount of time ( I consider XXXX days XXXX is at {$1200.00} and counting. This company has now restarted like this is a new loan asking for all same docs already provided and running a hard push on my credit report and ordering a XXXX appraisal on property. I think I am being scammed the interest rate I locked in XX/XX/XXXX is not offered I ca n't move on to another lender because of application fee and appraisal fee I have already been charged and I am not willing to forfeit. 
Please advise

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
experian and XXXX XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

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 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The basis purpose of ones name is to identify XXXX person from another, except with credit reporting agencies, which have regardless of the rules seemingly believe that the rules do n't apply to them. All credit reporting agencies have programs and system they sell to verify name social security number matches but fail to utilize them because they ca n't get consumers to pay for them. Experian for XXXX years have stated they verified items on my credit report, but factually lied because they could n't have because the items did n't bare my name. If any item does n't bare the basis of the correct name then it could n't be verified.

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 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian would not delete wrong information

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: SLM CORPORATION
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 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:
My credit damage occurred because of beyond my control.one example is the default had happened the contract enter between me and my school, broken by the school.This without investigation the school and education made me in default.I have no money to take this matter to court. 
will review my case please. 
The second issue I have is with XXXX.They charged me high interested rate. Because of this I had paid high down payment and my trade and XXXX years loan for used car. 
will you review my contract with XXXX. 
Thank youl

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 2016-12-01 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 XXXX has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries 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 matter as soon as possible as I am prepared to take legal action if this is not 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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been on a debt mgt program since XXXX-16 yet some of the credit card companies have been reporting me late. The XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and 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 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I recently disputed Civil claim judgment by XXXX XXXX XXXX IN THE AMOUNT OF {$9200.00} that appears on my credit report with Experian only and requested that I receive a legal and throughout investigation into the matter to have it removed from my credit report. They failed to provide me with any of the methods in which they claim to have validated this item and I am extremely concerned and afraid that I may not have a rightful resolution to my problem. Civil Judgment XXXX is illegal reported in the public record of my file. This item was expunged from my records following Federated Financial 's failure to appear in court and the XXXX Judge withdrew the suit against me as it was never validated or owed. Another concern I had was that the claim amount was severely inaccurate and exaggerated. The settlement outside of court was under the sum of {$2000.00}. 

I asked Experian to kindly look into this matter for me and delete this item, as it is greatly affecting my interest rates and approval odds with financial institutions, and they validated it somehow and kept it negatively affecting me in a letter sent to me XX/XX/XXXX. This public record item is not legal and it is not valid and was withdrawn by a Judge and its contents were never open and satisfied outside of court. There has never been an judgment against me XX/XX/XXXX nor have I any records proving this myself. 

What has affected me the most is that I received no documents nor any proof of any investigation as requested in my letter, which I have attached. I specifically wanted to see what Experian was seeing and there is nothing that has been provided besides a number XXXX-Please call this number yourself. there is absolutely no dial tone and it can not even been found in their database catalogue. 

Please, Experian, remove this invalid judgment from my records this is not proper investigating and this is not a legal item and can not legally be reflected under my social security number with your company. The address provided was also incorrect and I have no idea how and when and by whom this public record item was verified. Please remove it promptly, it has now been 25 days since the receipt of this letter and I will not wait any longer for any more investigations. 

I have attached my disputed letter, my recipe and their response to me in hopes of asking Experian again to please remove the item which is not valid nor viable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-06 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: TX

Complaint narrative:
the questions they asked me i answered them correctly to my knowledge ... and couldnt get report might be fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 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:
This company reinserted previously deleted information from my file that is a identity theft account from XXXX XXXX XXXX that is a credit card that I did n't open. They are breaking FCRA laws by doing this and I suggest the CFPB take legal action agianst this company they are trying to just make money. I 've been a victim of identity theft and they are not worried about that at all. I would like this account blocked permanently from my file as I included it in my FTC fraud identity theft affidavit that shows this account listed which i have attached with this complaint

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 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is geared more towards Experian but all XXXX bureaus fail miserably My complaint is at Experian for the mishandling of XXXX creditors, XXXX and XXXX XXXX. 

The dispute system is broken, all XXXX credit Bureaus do not allow for you to provide proper information or documentation as to why we the consumer are disputing, so as creditors report back they accept whatever the creditor states, without requiring proof to validate their claims and we never get a copy of their response Then both the creditors and credit bureaus use an antiquated ( Snail Mail ) when we have faster ways to communicate, reporting agencies hold XXXX consumers hostage in how they report and cost consumer 's XXXX dollars in their failed reporting and verification procedures

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Husband opened a credit card account ; his signature only. Card owner is now deceased. His balance shows up on my credit report. Utah law states that the spouse is not responsible for his credit card debt. Would like to have debt removed from my credit card report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to resolve multiple times an error with one of my accounts being reported to Experian. Every time they have failed to correct the mistake. One of my credit cards is incorrectly being reported as " previously in dispute, dispute resolved by grantor '' on my report. This was never true. I have contacted the bank in question ( XXXX XXXX XXXX ) and they have stated they sent the update to delete the " comments '' section of the tradeline to reflect no comments. Experian has denied my dispute request on multiple attempts. All comments should be removed from this tradeline to reflect the ACCURATE status as never have been disputed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX wiped out original dates of closed and charged off dates and put the dates as recent. I have never purchased anythign from XXXX XXXX. I have sent them tow affidavits and requested and both have never been processed on their end. I have disputed this charge since XXXX. In XXXX after filing XXXX affidavits and endless phone calls I just paid the money. I was trying to get a home loan and needed to resolve this issue. After I paid XXXX times what they originally said was purchased they update my credit report as recently charged off and late paid even though this all occurred in XXXX, sent to collections in XXXX and charged off. I do not believe that changing dates to recent is correct. I have been fighting that since XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Per attached letters from XXXX my account was only XXXX time XXXX,XXXX,XXXX,XXXX,XXXX,XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.

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